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The law requires car insurance so, as a licensed motorist, I have it and I pay for it as my policy requires. It's not cheap and I'm well aware of that since my kids have had several accidents. I guess that's one of insurance's downsides. Providing your personal information to the insurance company is another. When you start getting multiple offers through the mail and on the phone, you realize your information has been sold; it's an irritating downside of any company that practices this. Another of the pitfalls of car insurance would be for those drivers who are never ever in any type of accident. You see, you pay, whether you use it or not. I know people who had been driving for 20, 30 or even 40 years sometimes and never had to turn in an insurance claim. The profits reported by insurance companies are sometimes overwhelming. Yes, they do have to pay for the drivers who are more accident-prone, but is this cost really the responsibility of the safe drivers? It seems to be another problem the premiums of those of us who are safe drivers are paying for the accidents of the careless and unsafe drivers. Yet another issue with the industry is the label of \"guilty\" or \"not guilty\". It's sometimes impossible for the police or the insurance adjusters to determine what happened ??\" only those involved truly know. If you're mislabeled as \"guilty\", it could cost you for many years to come. Insurance agents can be pests at times also. You may get calls to increase your coverage, buy other types of insurance or provide additional leads through your family and friends. Some agents are only interested in increasing their business and their paycheck, not providing you with the best service. As I think of the pitfalls of car insurance, my next beef would be the almighty insurance card. Anytime an officer of the law pulls you over for a violation, he wants to see your registration and your insurance card. This pitfall of car insurance can be most embarrassing and frustrating. My car is not the neatest area on the planet. Needless to say, the card is in the clove box, which in my case is certainly the catch-all, junk draw, place for my stuff spot in my car. It usually takes a good 5 or 6 minutes just to find that dainty little card. By this time the officer has written an arm's length of tickets for me. Finally, the biggest of the pitfalls of car insurance has to be the uninsured motorist. This is the guy who doesn't believe in the system, although a necessary evil. He doesn't purchase it. He doesn't carry the card. The insurance guy doesn't know who he is. Of course, he is also the one who sideswipes your vehicle and tries to leave the scene. He doesn't have any money to even pay your deductible. This guy, while simply trying to save a buck or two, is certainly the one who will have the accident and cause you serious financial troubles.
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To find out exactly how I got car insurance, visit my website about auto insurance online
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