It is a beautiful fall day. The air is crisp and cool, the leaves are starting to turn from green to vibrant yellows and reds, the sun is out and there is not a cloud to be seen. A couple decides it would be a wonderful idea to take their two small children to the park down the road, only about ten minutes going by car. They gather some food for lunch and put their children and family dog in the car. They have driven this very route dozens of times but today would not be the same. After stopping at a red light, it turns green. The driver looks in the rear view mirror to see the children actually getting along for once and smiles to themselves. As they are going through the light, a car strikes them from the side. They spin multiple times and the car clips onto its roof. The driver is unconscious; their spouse in the passenger seat is dazed and fights to stay awake. The children are in the back screaming for their parents to wake up and the dog was flown from the car. Good Samaritans call for an ambulance and run to the car to see if everyone is alright. Paramedics finally arrive on the scene and are able to get everyone out of the car. The driver is badly hurt and will have to stay in the hospital for what looks like several weeks given the extent of the injuries. Their spouse suffered a concussion, scrapes and bruises but otherwise appears to be fine. The children are the luckiest and escape with minor cuts and bruises thanks to the added protection of their car seats. Unfortunately for their dog, he did not make it. The tragedy does not end with the accident. The real nightmare begins when they have to bare the financial burden of their misfortune. Now, imagine a family having to do that without insurance. It is unfathomable, unthinkable and unimaginable. This is why insurance is most important to me.
In an article published on USA Coverage’s website, they cited that the National Highway Traffic Administration reported a car accident happens every minute of the day. Let me say that again, a car accident happens every minute of the day. That means that at any given minute anyone could be involved in a car accident. This is a startling figure and not one that I take lightly. I have a family much like the one I described in the previous paragraph and even though rationally I know something like that could happen; I could never fully bring myself to believe it. I, of course, have automobile insurance just for that what if instance. What if I really did get into a horrible car accident? What if my family was with me? What if one or more of us were seriously injured or hurt? What if (God forbid) one of us died? It is never easy to think of the unpleasantries of life but it is necessary to be prepared for whatever life may throw my way. By retaining insurance it gives me the peace of mind and security that if one of these “what if” instances happens, my family and I will be taken care of and I won’t have to also worry about the mountain of repair or medical bills that could pile up.
There are many other “what if” circumstances that are less tragic than a car accident but still important to consider when thinking about car insurance. I live in an area that could be subjected to massive flooding because of heavy rain, storm surges and hurricanes. If any of these things happened and my vehicle was submerged under water or washed away, it would be very difficult financially to replace it without insurance. Another potential scenario, a person goes out to their car to go to work only to find their car window smashed in and their belongings stolen from the car. No one wants to go through any of these situations but having insurance helps take some stress off of their shoulders and allows them to breathe a little easier that if something does happen; they have something that will lessen the burden.
Not only is insurance important for all of those “what if” moments that can happen in life but also to ensure I prevent any negative legal action being bestowed on me by forgoing acquiring insurance. In the state I reside in, it is illegal to operate a motor vehicle without some measure of insurance coverage. Not only does automobile insurance give me peace of mind, it also keeps me on the right side of the law. It is also important to have insurance to obtain my vehicle inspection and registration which is also required by law to own a vehicle. Insurance keeps me from acquiring any legal penalties such as fines to losing my license or jail time.
Possessing insurance is one of the smartest and best things any person can do for themselves and their families. Life always has an element of risk to it, but insurance allows us to intelligently manage this risk. There is so much unknown that comes along with life and it is always advantageous to have a support system for when those inconceivable instances occur. Insurance is important to me because I know that if myself or my family finds themselves in a calamity like I described in the beginning; we won’t be stuck in further crippling hardship. Insurance allows me to be prepared for the unthinkable and gives me the peace of mind that anything that can happen will be managed in the best way possible.
How Many Driving Accidents Occur Each Year? (n.d.). Retrieved October 20, 2016, from http://www.usacoverage.com/auto-insurance/how-many-driving-accidents-occur-each-year.html
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