Car Crash Without Insurance? What's The Plan? (3 Reasons Not To Drive Without Insurance)

   

Jade Poole from I Write Words

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You might think that you are a good driver and will never be involved in a car crash. And because of this, you don’t have insurance to try and save money. But what happens when you are in a crash (whether it’s your fault or not) and you don’t have a backup plan to cover the damage costs?

When economic times are tight, many South Africans decide not to get car insurance or downgrade their insurance plan in an attempt to save money.

However, cancelling your car insurance or deciding not to have vehicle insurance could have terrible consequences…

Did you know that roughly 70% of the 12 million registered cars in SA are NOT insured?

This means that there are about 8 million cars driving around on our roads WITHOUT insurance, which means that as a driver, you are at risk.

A number of drivers seem to underestimate the importance of car insurance and do not understand how much of an effect the negative consequences of a car crash can have on them and their bank account.

Here are 3 different driving scenarios that can happen to you and what they can mean if you DON’T have car insurance:

1. You drive into another car

If you do not have insurance and drive into another driver’s car, you will be responsible for the costs of damage.

This means that any damage you caused, you have to pay for. There is no way around this situation.

The panel beating and damage bills can amount to thousands and in some cases, hundreds of thousands of rands.

Even if the driver you drove into has insurance, his or her insurance company will name you as the person responsible for the accident and deem you the guilty party.

If you don’t have insurance, the insurer can sue you in your own personal capacity.

How you can avoid this situation

It’s simple - get car insurance. Don’t put yourself and your bank account at risk. Some drivers tend to opt for third party insurance (read: What Is Third Party Liability & Why You Need It (An Easy Explanation)), for reasons like this.

Third party cover will help pay the damage costs to the other person involved in the accident. But any damage to your own car will have to come out of your pocket.

This is why it’s a good idea to get comprehensive car insurance. This is the highest level of cover you can get. Many drivers tend to opt for third party because it is seen as more affordable. But with Oneplan, our cover is ALWAYS comprehensive, as well as affordable.

We let you choose how much cover you want based on the price you can afford.

2. An uninsured car crashed into you

If someone crashes into you and both of you do not have insurance, then you will have to deal with the legal costs of trying to claim money for the damages.

This might be a complete waste of time and money if the other driver is unable to unwilling to pay for the repairs.

How you can avoid this situation

You need to ensure you get comprehensive car insurance for situations like this. This guarantees the damage costs to your own car are covered. Even if the other driver is uninsured, then all you have to do is get their vehicle and personal details and your insurer will handle the rest.

3. Your car is stolen

The stats of vehicle theft and hijackings in South Africa are constantly increasing.

A recently published article in IOL stated that:

“Latest statistics released by the SAPS have shown that 16 325 vehicle hijackings were reported between March and April 2019, with the bulk of these incidents occurring in Gauteng.”

If you do not have insurance and your car is broken into and damaged or is stolen, then you are responsible for replacing your car or paying for the costs to fix it.

Do you have the money right now to replace your car? The chances are highly unlikely.

If your car is stolen, then this will leave you and your family without a car and without a means of transport until you can afford to get a new car.

If you are still paying your car off, then your monthly repayments will continue as normal, this will only be an added financial stress as you struggle to pay off a new car or pay for public transport.

How you can avoid this situation

The trick is not to assume that you CANNOT afford vehicle insurance.

The truth is that you CANNOT afford to replace or repair your car if something happened to it.

As mentioned, with Oneplan (that’s us), we give you the best cover at a price you can smile about.

Get car insurance you can afford

If you are looking for car insurance that’s hassle-free, comprehensive and flexible, then have a look at how Oneplan Car Insurance works.

Don’t get caught without car insurance. Get cover the best deal on your car insurance and get covered against financial risks and accidents.

Yours in uncomplicated car insurance,

Oneplan



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