Face it, not everyone has a good driving record. If you’re such an individual, it may be tempting to go with one of the cheap insurance companies out there. You’ll see these companies advertising on late night television and on other venues, usually announcing the fact that they’ll take anyone and everyone who applies. As is the case with most of life, you get what you pay for.
In many cases, these insurance policies only offer discounted rates for the state minimum for liability. There are some important things to remember about liability insurance, particularly at the state minimum levels:
- It doesn’t cover much damage
- It doesn’t protect you from uninsured drivers
- It doesn’t protect you if your car is stolen or vandalized
- It doesn’t provide rental coverage
Too high on rates.
These insurance policies are oftentimes advertised as being great values. Insurance companies aren’t stupid. They’re not going to insure someone with accidents on their record at low rates and give them substantial coverage. You may pay much more if you buy insurance from a regular company, but your coverage will usually be much better. Additionally, discount insurance plans often have incredibly high deductibles. Can you afford a $1,000 deductible if you were to get into an accident today?
You’re said to be “uninsurable.”
These companies rely on convincing drivers with bad driving records that no one will ensure them for any rate that doesn’t require them to take out a second mortgage. This may not be the case. Many good insurance companies have programs for drivers who need to repair their records. If you’re worried about whether or not you can be insured, be sure to contact a good insurance company to see if they’ll take you. Oftentimes, you’ll be surprised.
If you’re injured by a driver that doesn’t have insurance, contact a car accident lawyer. These lawyers can sometimes get compensation for you by filing a lawsuit against the driver for their negligence.
There’s no way to know if these cases will win before they’re taken in front of a jury, but it’s worth it to talk to an attorney. You can find many good options for a Dallas vehicle accident attorney, even if you’re short on money. Many of them work on contingencies and this means that they don’t charge you for their services unless they win your case. In fact, if they lose your case, you owe them nothing for their work. The consultation is usually free, so there’s no risk to you if you want to sit down and speak with them about the circumstances of your wreck.