Why Do I Have to Have Lexington Car Insurance?

Lexington car insurance has more to do with protecting you than you think.

You never know when it is your time for an accident and you will need Lexington car insurance.

Many drivers often wonder if their being forced to carry car insurance is because of insurance companies lobbying the government so that they can make more money. I can’t attest to how much lobbying happens on behalf of car insurance companies, but I can say that I am personally glad that states require drivers to carry car insurance.

Why Required Lexington Car Insurance Should Make You Happy

The fact that Lexington car insurance is required by the State of Kentucky should make you happy for two reasons. One, if you ever make a mistake and cause an accident your required Lexington car insurance will pay for the damages you cause. This means you won’t be financially ruined by having to pay for the damages out of your own pocket.

Two, your vehicle damage and medical expenses will be paid for if someone else hits you. Without the requirement of Lexington car insurance you could end up having to pay for your own damages and medical expenses if the other person didn’t have insurance. Yes, you could take them to court to make them pay for the damage they caused. But, then you have to wade through the legal system and then hope that they would actually pay the court mandated amount.

Think You Don’t Need Lexington Car Insurance?

Are you one of those drivers that think that you are such a good driver that they will never get into a car accident? There are a number of flaws with this thinking.

First, they are called “car accidents” for a reason. They don’t happen on purpose, they happen on accident. Sometimes there are just things that are completely out of your control that makes you lose control of your vehicle and leads to an accident.

Second, you can’t control how other people drive or if they cause an accident. All you can do is make sure that you have enough Lexington car insurance to protect yourself, and that the other person is driving legally with their own car insurance.

Still think you will be able to avoid a car accident? Well, think about this then. In 2012, per the Kentucky State Police, there were a total of 147,838 in the State of Kentucky. And of all the counties, Fayette County (where Lexington is located) had the most car accidents in the entire state with 3,134 accidents in 2012.

That means that every single day in Fayette County, there are at least 8-9 car accidents. Still think you don’t need to have Lexington car insurance to protect you?