Why You Should Have Car Insurance San Fernando Valley

Your car is one of the most expensive purchases you've made in your life. You depend a great deal on your car for helping you to take safely from one place to another for work and for fun. You have travelled to places in your car along with your family and friends, and some of your life's best memories feature your beloved piece of metal in them. That said, it is also important that you take proper care of your car so that it can serve you well for a long time to come. You cannot claim to be possessive about your car if you do not have car insurance San Fernando valley.

To begin with, your car is not road ''legal'' if you do not have a car insurance for your car. You run the risk of paying hefty fine and even getting your car impounded by the traffic police because you do not have a car insurance. Car insurance is crucial because there are so many risks your car and you are exposed to the minute you start it and drive it on the roads. It doesn't matter if you commute 2 miles a day or 100 miles a day in your car because car collisions can happen any time, any day.

No car owner likes to get involved in car collisions, but there is no guarantee that your car won't take a blow or couple of them from other car drivers. Even if you follow traffic rules with obedience, do not mix drinks with driving, and drive at safe speed, you never know when a silly mistake of another car driver can cause your car (and you) much damage. You can count yourself lucky if you manage to escape with minor dents and dings to your car, but that is not always the case. If your car has suffered heavy damage, you will need to take it to a certified auto body repair so that it can be repaired by professional mechanics. It may need denting, re-painting, frame straightening, windscreen repair/ replacement, etc.

Car repair can be expensive as there are labor and parts costs involved. The repair bill can run into thousands of dollars which you'll have to pay, but if your car has car insurance San Fernando Valley, you can file an insurance claim and your insurance company will pay a major part of the repair bill. This way, you do not have to deal with the stress of having to pay money out of your pocket.

Apart from receiving financial compensation in case of car damage, there is a possibility that another person has filed a case against you for the injuries suffered by him as the result of car collision. That person could be other car's driver or pedestrian who was hit in the process. You cannot escape litigation and there are certain expenses that have to be paid to defend your case in the court. If you are found guilty, you stand to pay the suffering party the amount that has been directed by the court. If your car is insured, the insurer is liable to pay the said amount to third party.