Owning a vehicle can get expensive when it comes to repairs and maintenance. Auto insurance is another expense to consider, one that is crucial to protecting your car and your best interests. While it might be tempting to let coverage lapse due to the cost-savings, you could end up with a lot more expenses than you have currently. 

3 Issues That Can Occur When You Don't Have Auto Insurance

1. Fines and Penalties 

All drivers in Ohio must carry the mandatory minimum of liability insurance, which covers others when you're at fault. The state requires that all drivers have $25,000 per injured person, $50,000 for the injuries of two or more people, and $25,000 to cover property damage. If you do not carry mandatory insurance, you could be subject to fines, loss of license, or even jail time.  

2. Exorbitant Repair Costs

Some car accidents happen due to no fault of your own. For instance, if you're driving at night and hit an animal that runs into the middle of the road, it may be impossible to avoid it. You'll still be responsible for all repairs, and if the vehicle is totaled, you must purchase a replacement on your own. With collision and comprehensive insurance, damage to your vehicle is covered regardless of fault. You'll receive the necessary funds after paying a deductible, and you can rest easy knowing you have help paying for your vehicle. 

3. Legal Woes

In addition to possibly receiving a citation for lack of insurance, you could also find yourself subject to lawsuits without the proper liability coverage. If you cause a collision while driving, you will be responsible for damage to others. This includes the costs to cover property damage, as well as any medical bills they incur as a result. Liability insurance offers funds for these expenses to prevent you from paying out-of-pocket. It can also spare you from expensive legal fees in case the matter goes to court. 

Drivers in Fairfield, OH, seeking reliable auto insurance have met their match in 1st Choice Insurance. This independent agency works with numerous carriers to secure affordable policies that offer robust protection. They can also assist high-risk drivers in need of SR-22 bonds, which ensures you remain legal on the road. Request a free quote today by calling (513) 860-0666. You can also visit the website to learn more about their insurance services.