Did you know that 48 states in the country require a licensed driver to have car insurance? Only Virginia and New Hampshire are exempt. If you live in or around the Waldron, AR area, The Owens Agency LLC can provide you with the needed coverage.

Why is auto insurance so vital? One of the most important reasons is that it provides financial protection. If you cause an accident, you will probably be responsible for all its costs. This includes the injured person’s medical costs, lost wages if they cannot work, and any legal fees that may result. Liability coverage helps to pay for these costs that would otherwise have to be paid out of pocket, putting a strain on your finances.

A policy comprises various types of coverage, offering either minimum or full coverage. It is based on your car, needs, driving habits, and budget. For example, a driver with an older vehicle that is paid for can purchase liability coverage and roadside assistance only.

However, a driver with a newer, more expensive vehicle will need liability but will also want collision, comprehensive, gap insurance, and roadside assistance. Regardless of how safe a driver you are, while driving, you will constantly be exposed to risk due to another’s negligence.

Don’t wait until you get into a situation where you need to file a claim. The consequences of having an accident without insurance can mean financial loss and severe mental stress. It is also against the law. Car insurance will help relieve the financial setbacks associated with an accident.

If you live in or around Waldron, AR, allow the insurance professionals at The Owens Agency LLC to provide you with a quote or answer any questions you may have. Contact them today. You will be glad you did.