Auto insurance (known as assurance auto in French) is important for every driver. It may seem like something you will never need. It might even seem like a waste of money. In truth, it is anything but.

To understand why this type of policy is so important, it is necessary to understand how it works. Automobile policies exist to protect your car and your finances if you are ever in an accident. While it can seem expensive to make the monthly payments, they could save you thousands of dollars should your car ever be in an accident.

Automobile accidents are much more common than you might think. For every major accident you hear about in mass media, there are hundreds of minor ones. Most people are barely aware of the minor car accidents happening all around them. Cars get bumped into in parking lots. People hit the bumpers of other cars at intersections. Someone parks too close to you in a parking lot, opens his door too hard and fast and wham, yours gets dented.

Even careful drivers who never get into or cause accidents need to pay for policies for their cars. The reason why has to do with human nature. Many people are honest. If an honest person hits your car while you are not around, he will leave you a note with his name and policy information on it.

Sadly, not all people are honest. People who regularly cause incidents are often dishonest about the incidents they cause. If you get hit by a driver who does not give you any information about himself, you will have to pay for the damages to your automobile. If you do not have a policy on it, you will have to pay for the damages out of your own pocket.

All of these reasons together are why it is illegal to be caught driving without insurance. When you get into an accident and do not have insurance (assurance auto in French), your license will be suspended. In some parts of the world this can happen even you do not have an accident. Police officers often run random scans on the license plates of the cars they follow. If they follow you and find your car is not insured, you will be pulled over and your license taken.

In addition to losing a license, you may also lose the car. It may be impounded. You may need to pay to get both your license and your automobile back. If you do not want to pay for an automobile policy, you might be left without a car to drive or a license to drive it with.

No matter how safe a driver you are, you must get auto insurance. Known as assurance auto in French, it can protect you if you ever cause an accident. You can be protected if a liar hits you. It is also a vital discount plan for costly automobile repairs. Being ensured protects your ability to keep your license and your car.

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