Auto Insurance Question Oregon OH
Readers Question:
Hi. I just want to share my doubts. I know that auto insurance is important as it is required upon vehicle registration in Oregon. However, when it comes to upgrading it for more coverage, I am in doubt that the insurance company just wants to get money from me. I mean I always thought that there are little chances of accidents if you just drive carefully or know how to take care of your vehicle and follow no drink-drive so why would I pay for more coverage? But am I wrong? I’m seriously in doubt as it involves money and I can’t prioritize it for now.
Carla
Oregon OH
I appreciate your transparency Carla!
I understand that there are indeed doubts when it comes to insurance especially that we are obliged to pay a regular premium. Don’t worry about it, that’s pretty normal!
However, we have to understand that auto insurance is actually one of the most needed insurance for all times. Drivers are faced with risk of accidents everyday. No matter how carefully you drive, you never know when you’ll encounter other reckless drivers or other natural tragedy where you may fall as victim to such unpleasant fate. Remember accidents do not delay. They come in an instant at no warning, in the most unexpected time. Of course, this is not to create fear. But it’s simply a warning and reminder as well. So auto insurance should never be disregarded nor be delayed when you own any type of vehicle.
When you own auto insurance, it serves as protection from the costs that need immediate attention during road accidents. The idea of auto insurance is to prepare the vehicle owner or the driver of the costs incurred when the vehicle gets damaged or when the driver caused injury to a person or things at the time of driving. Also, if there are times when the car will be damaged due to natural disaster such as hail storm, the auto insurance will come in handy. In essence, auto insurance is not just about paying premiums and complying with civil regulations. It is about having a financial backup in case immediate costs are needed for vehicle repair or for financial obligation from liability.
What I’m trying to say Carla is auto insurance should not be viewed as another expense or obligation. Auto insurance should be viewed as a beneficial document in times when uncontrollable and unforeseen event happens. Since auto insurance is truly an asset rather than a liability, it is just right to get auto insurance with the highest level of protection that you can afford. Just don’t pressure yourself to pay for high premiums though. There are insurance companies in Oregon that offer low auto insurance premium so you just need to look at other available options that suit your financial capacity.
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