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Motor insurance provides financial and liability protection in the event of an accident. Insurance generally is premeditated on the premise of the fact that accidents are inevitable and unpredictable. No one can tell how or when it is expected to happen, so motor insurance takes the risk off the motorists. The reason why this insurance is statutory for all motorists is because motor insurance protects all motorists in the event of an accident. Imagine being involved in an accident, and all motorists are severely injured and incapacitated. The insurance companies come in to take care of the cost of damages and medicals. The motorist has transferred the risk to the insurance company by getting a motor insurance.

Another reason why motor insurance is so important these days is because of the surge in the number of motorcycles on our roads. Motorcycles, the world over, have become well famed for beating traffic congestion and economical maintenance. With the present global energy crises leading to the rise in the prices of gas and gas oil, motorcycles have become a very popular means of transport. With their surge comes also their attendant risk. As our roads become more congested, the probability of accidents have also sky rocketed. Motorcyclists are known these days not to be properly trained and so some degree of recklessness has been observed. As a motorist, you have to be more careful than ever before even changing lanes of making that turn. Motor insurance is your protection against the unknown.

Some accidents are totally out of the control of the motorist. For example- a friend parked his car in a car park beside a traffic light pole. There was a slight change in weather condition and there a slight wind which fell the pole right unto the parked car’s windshield. If he had not procured a motor insurance, he would have had to foot the bill personally. There are other occurrences which are covered by your motor insurance. Theft is one. Though most of today’s motors come with some appreciable level of security gadgets, it is still wise to insure your vehicle against theft. You can have a piece of mind that the premium you paid will come in handy- replacing your stolen vehicle by the insurance company. Integrity prompt payment of claims is the watchword in the insurance world, so while looking for an insurance company, get the reliable ones with good track records for settlement of claims.