In United States, it is law that all car owners will need to have a sufficient coverage car insurance plan that meet their State Government minimum Requirement. It is as important as your driving license, you are not allow to drive at all if you do not own a sufficient coverage car insurance plan.

If your car insurance plan was expired and you are fail to renew it on time, you will need to pay for the penalty charges.

Longer you delay before renew of your car insurance plan, more penalty charges you will need to pay for. If your existing car was sold or getting stolen is the reason for you to keep your existing car insurance plan expired, you will need to show the relevant documents as proof to waive your penalty charges.

In fact, there are a lot of U.S citizens decide to purchase a sufficient coverage car insurance plan that exceed the minimum limit that set by their own State Government.

It will be your own benefits to own a car insurance plan that keep you peace of mind.

If your car insurance plan was under insured, it means that when accident happened and you are the one who pay the bills, you will need to come out the balance of the cost incurred from your own pocket. If your saving was insufficient to cover all the cost incurred, your 3rd party lawyer will go after all assets that placed under your name.

You may need to refinance your house, taking loan or borrow money from friends and relatives to settles all these debts. An accident can easily change your current lifestyle if you not look into it seriously. You have no way to eliminate all accident risk as long as you still want to keep your car on the roads.

Of course, you can reduce accident risk by drive safely on the roads, but you are unable to ensure that all drivers that stay with the same street with you will have the good attitude like you, and there is always the reason to make accident happen.