Car insurance is mandatory. But there is no law enforcer that would check each driver if the car he owns or driving is actually insured. So technically, a car insurance is mandatory but one can actually get away without having one if he or she is lucky.
But when Superstorm Sandy struck last month, those who were lucky enough not to be caught not having car insurance must be crying buckets of tears. Since they were not insured, the cars damaged because of the flood could not be repaired or replaced because of the lack of coverage.
Just as cars are part of how Americans live, car insurance is tied to a car like a bond. Car insurance does not always have to be expensive and http://cheapautomotorinsurance.com/ will help people how to get the cheapest insurance quote in one’s locality.
But if one is insured and owns a car that had been tragically damaged during Superstorm Sandy, the first step is to photograph the damage as part of the proof in getting an insurance claim. The best time to photograph a damage is during the tragedy, itself, when the car is floating on flood or when a tree has crashed on it. This is granting the person is still on his or her right mind amid the disaster. Force majeur or natural disaster is a basis for car owner to make a claim with the insurance company for repair of the car.
A person making a claim should hire his or her own appraiser so as not to be put in a disadvantage with the insurance company, which is sure to put in a low appraisal. Remember that there are also other vehicles that have been damaged in the same event and would want to make insurance claim as well.
Insurance may be an added burden but the burden will be heavier without an insurance. So people should not sacrifice a car insurance just to save a few hundred dollars.
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