Why You Need Insurance

Auto Insurance protects you from losses caused by owning and operating a vehicle. It's against the law to own or operate a vehicle without insurance. 

Other factors to consider:   

• Penalties for not having insurance are different for each state, but most states will suspend your license plates for a specific period of time.
• You may be fined up to as much as $500 for not having auto insurance.
• If you have a loan on your vehicle, most lenders require physical damage insurance on the vehicle. This protects their interest if you are involved in an accident.
• In addition to obeying the law, avoiding fines, and protecting your lending institution, the protection of auto insurance is valuable to your financial future.

No matter how hard we try, accidents still happen. The bottom line is that, without insurance, you may have difficulty coming up with the money to cover the damages. Auto insurance takes that worry away.