It is imperative for a driver to own a motor insurance. Motor insurance is legally required in almost all the countries in the world. Owning a quality motor insurance protects the driver, the passengers and their vehicle.
The amount of insurance that one may require may vary depending on the country they are in. If drivers are caught driving without car insurance they have a high risk of their vehicles being impounded on the spot. The driver could also be charged with heavy fines and fees by the courts if caught driving without insurance policy. In addition to all these issues, the driver may also get his license suspended or revoked for a certain amount of time.

Insurance offers protection
The most important reason to own insurance is the financial, medical and personal protection. Motor insurance cover body injuries, damage to the vehicle, theft, payment of medical bills. A quality motor insurance may also temporarily replace income for an insured person who may be unable to work as a result of an injury from a fatal accident. If a person is uninsured and they are involved in a dangerous accident, they may find themselves in a financially compromising situation. Keeping in mind these financial and physical stresses it is important to purchase motor insurance.

Also, if the driver is hit by someone who does not possess a motor insurance policy and even if he does not have one, chances are the driver will have to pay for his own medical treatment. In such a time it is important to own a quality insurance policy.

Another important reason for owning a motor insurance policy has to do with the cost of repairs of the other vehicle if the driver hits someone. Vehicle repairs can be very expensive. If the driver is at fault in an accident he may be required to pay for the repairs or the replacement of the vehicle that has been hit.

Drivers should bear in mind that there a number of details that should be taken into consideration when applying for a motor insurance.

Unfortunately most drivers ignore reading or understand the policy or the related jargon associated with it. Most people do not read the policy documents thoroughly and ignore the "disclosure" clause until they are frantically trying to make a claim after an accident. If a second hand car is purchased the new owner needs to ensure that the cover of the previous owner is null and void. This is applicable even if a legal ownership transfer has not yet materialized.
The driver holds a huge responsibility once he is behind the wheel and on the road. It is up to him to ensure absolute safety for his passengers and pedestrians from any harm. One of the ways to ensure safety from themselves and others is to own a quality motor insurance.