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Three of the Most Common Excuses for Driving Without Insurance

You would think that everyone who drove would go to great lengths to make sure they had car insurance, but many are driving without a policy. The laws regarding minimum requirements are clear, and for many people, having a policy that goes beyond the minimum legal requirements is essential. Although the excuses people make for not having insurance are wide ranging, the following are the three most common.

They don't use their car
They own a car, and it is in good working condition, but they never use the vehicle. Naturally, what happens is that the first time they decide to use the car, they don't bother getting insurance and simply begin driving. It only takes one short trip in your vehicle to get involved in an accident, and without insurance, the consequences will likely be severe. In addition, you should keep in mind that in California, if your car is registered, it must be insured. If you are not planning on using your car for an extended period of time, it is possible to not register it, and then you will not need insurance. However, if you attempt to drive the car, it will neither be registered or insured.

They are safe drivers
This is irrelevant. No matter how safe you drive, it is still possible to get into an accident, and this is why insurance is needed. The thinking is that if you get into an accident, the other person's insurance company will pay for damages to your car, and if the accident is your fault, then you will have to pay for the damage out of your own pocket. The thinking is that if the accident is your fault, then you deserve to pay for the damages. The problem is that it is possible for the damage to go beyond anything you could hope to pay for, this is why state laws mandate a minimum amount of coverage when you are driving. It is to protect other drivers when the accident is your fault.

They can't afford a policy
The truth is that if you cannot afford to buy car insurance, then you cannot afford to operate a vehicle. Sell your car or put it in storage, but do not drive without insurance. Of course, many people who claim they cannot afford insurance often think that they must pay the entire cost of the policy up front. This is usually six months, but the truth is that you can make monthly payments on your insurance policy.

If you are one of those people driving without insurance, you need to stop immediately and get a few quotations for a policy. A car insurance downey ca agent is ready to provide you with a competitive quote today.


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