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What makes it necessary to have automobile insurance? The necessity has been a big debate for years now. The biggest reason is because it is the law. Another good reason is it protects your financial well being. These are the most important reasons.
Despite the debates lawmakers have many valid reasons for setting laws and minimums when it comes to auto insurance. Many states are setting very stiff penalties if you choose to disregard the auto insurance laws. Still many tend to ignore them anyways.
Those who choose to take the risk often pay the price big time. However, most consumers like to take advantage of uninsured motorist coverage when they purchase their auto insurance. Everyone hears the stories of the risk takers and they want to be protected from them.
The price the uninsured pay can be rather expensive. First, they are not excused for paying for any damages if they are at fault in a accident. They may have to pay hefty fines and they have to pay surcharges to the state. Often times the can have their license suspended.