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Car insurance is a policy document that every car owner must have alongside his car license papers. It gives the car owner a security cover against numerous contingencies that can afflict his/her car and gives him/her an important edge, at the same time, to deal with them. It gives him/her the assurance that s/he has put the car in safe hands and any damage to it would be taken care of. And that s/he would not have to empty the pockets to restore the car back to its glorious days.
Some people strangely miss out on this essential deal. But then, it is understandable when we look at it from their point of view. The reason is often the high premium rates that scare many people away. They think that cheap car insurance is available only to a chosen few.
The high premium factor is not a myth but then there is a different angle to it, which demands foresight. The point to be considered is the higher repair and maintenance charges that the car would incur. And in case of collision, and not for any fault of yours, chances are that you may suffer heavy monetary losses on your car, if it is not insured.