There are many drivers on the road who drive un-roadworthy vehicles. The worst part is not that they are putting themselves in danger, but other innocent road users too. Over and above vehicles that are being driven whilst not in a roadworthy state, there are also people who drive on our roads without motor insurance.
In some countries, vehicle insurance is required by law, but unfortunately, not in South Africa. It is a debate amongst many people about whether or not vehicle insurance should be absolutely mandatory. Naturally, there are people on both sides of the fence. Firstly, you will get all the insured people who believe that everyone else should be insured too. Their reasoning is that why should their insurance have to pay out for damages on their vehicle if the accident was caused by someone else? It is costing insured people thousands when they have to fork out for repairs on other people's vehicles! Then you get the people who do not have car insurance. Some of them just cannot afford it, whilst others feel that it is an unnecessary monthly expense for something that could never happen.
Irrespective of which side of the fence you are on, it has to be taken into consideration that car insurance is mandatory in other countries for a reason. It is quite frankly very dangerous to drive without it! Imagine you are in a collision without motor insurance, and the accident was your fault. Do you have the spare money available to pay for the repairs to your motor vehicle AND the damages you caused to another vehicle. If you caused a bad accident, you may even be sued by the other party. This means that you will have to come up with a lot of extra money. It is better to protect your financial future by investing in a good car insurance policy. Even if you cannot afford to pay for a full comprehensive policy, you may be able to afford a good third party policy. A third party policy will pay out for any damages you cause to another vehicle if you are in a collision.
If you think about it logically, it really should be illegal for people to drive without a good motor insurance policy in place. If road users are not responsible enough to protect their financial future and the money they spent on the car, then they should not be on the road. There is a valid reason why motor insurance is compulsory in some countries, and also why most vehicle financing companies will not allow you to purchase a vehicle without insuring it first.
You can easily find good, reliable and affordable vehicle insurance companies on the internet. If you put a good security system on your vehicle, then your premium will be even lower! Furthermore, shopping around for some quotes will help you to find the lower premium available to you.
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