For the average driver, it’s a fair bet that the he or she looks at auto insurance as a necessary evil; certainly something that they would rather not have to shell out hundreds of dollars every six months. But despite the common sentiment that paying large amounts of money for a car, truck or motorcycle insurance policy that they may never have needed, someday, somewhere you or a family member might just be thankful for that coverage.
As Maryland personal injury attorneys, I and my legal staff fight against lawyers for various insurance companies in court when benefits or insurance payouts have been withheld or reduced unfairly. As much as some people might rail against having to buy car insurance, having a policy that covers one’s vehicle is required by law. That said, it’s important to remind critics why carrying coverage is a good idea for every driver.
For one, car insurance protects the owner and/or driver from personal liability in the event that his car, truck or bike is involved in a traffic accident. If a person gets into an accident and they are found to be at fault he or she can be held personally (read: financially) responsible for the damage to property and for the costs of any medical treatment incurred by those injured as a result of one’s mistake or negligence.