Getting coverage has never been easier thanks to the internet. In fact, online it takes less than 10 minutes through some our online quote system. This reduces the excuses for drivers in the states to not have legal coverage. Getting Florida online auto insurance quotes is quick, simple, and could ultimately save you a great deal of financial suffering and inconvenience. Accidents without coverage can be overwhelming expensive, including medical bills, vehicle replacement costs, pain and suffering money and other charges.
No. 1: Even if you do Not Have coverage, you are Still Liable for Damages and Injuries
Just because a driver does not have auto insurance does not mean they will not be held responsible for an accident deemed their fault. It certainly does change the dynamic of a lawsuit but it does not excuse liability. However, instead of a payout and a premium spike, drivers are looking at the possibility of thousands and thousands of dollars in bills. In fact, the medical bills alone for an injured driver are staggering. This does not even mention having to replace a totaled vehicle or even repair one that is just battered. In total, either way, uninsured drivers are risking their financial stability to simply avoid a premium.
No. 2: It will make you “High Risk” for the Rest of your Driving Career
Driving without coverage, even for a short period of time, will make a high risk candidate for future providers. It is illegal, so you will be seen as someone who does not set much stock in following the law, and it shows a level of irresponsibility that will allow providers to charge you more down the line when you decide to go back to driving legally. You will be deemed a “high risk” driver and will see all of your premiums shoot drastically upward. Sometimes even almost doubling depending on the company you choose.
No. 3: Without Insurance Everything is Out of Pocket
Not many people can afford to simply replace their car if it is totaled in an accident. Many times, people can hardly afford the repair bills on a car that has been damaged in an accident. This applies to issues such as weather damage or even theft. If your car is stolen and never found you still need a car. Most companies will cover this theft, fund a rental car, and then help with the purchase of a replacement car. However, drivers without this protection will be facing life without a car until they can afford to purchase another. However, long that may take.
No. 4: Serious Legal Repercussions
Each and every time you get behind the wheel of a car without a policy, you are risking your driver’s license. Even if you are pulled over for a routine traffic stop, police will ask for your information. If you cannot provide it there can certainly be trouble.