Auto insurance is something you definitely need no matter how professional you are. This helps you to defend your rights when an accident happens and you are not even the person to blame, you have not even violated any traffic rules. Auto insurance guarantees that your vehicle is protected no matter what happens. But the most important thing is that having an auto insurance you protect yourself, your health, your rights. And your health is the most important issue.
Different countries have various types of auto insurance and they are called differently but the most widespread types are collision coverage and comprehensive coverage. It is clear that the first one is a must everywhere in the world and the second is non-obligatory but without the latter you won’t be able to recover the costs of the accident from the insurance company if you are a party at fault. Moreover, any damage that is being caused to your vehicle when it is parked and not in motion (physical damages, auto theft, etc.) can only be satisfied if you have a comprehensive coverage. Definitely, it is not a cheap insurance but at least your nerves and your vehicle are safe.
At the same time if you absolutely ignore any kind of auto insurance you might get in trouble and this might happen very soon when a traffic warden just decides to check your insurance. And if you do not want to pay additional money for auto insurance the only way out for you will be not to drive but to ride a beach cruiser. Indeed, why should you be so fixed on the comfort of the 4-wheel vehicle? If you want to take care about your health and if you do not need to cover hundreds of miles every day, beach bicycles is the right choice for you. They are a nice substitution of a private vehicle in a big city. The pluses are obvious: there is no need to fuel them, no need to service them and no need to seek a parking place! Moreover, with a bike you do not have to trouble about your driving license, service check and auto insurance.
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