Did you ever get behind somebody on the road who looks like they’re seeing a whole different road than you are? Maybe they’re going too slow, stopping r andomly or weaving to avoid imaginary elephants in the road. In any case, you might be seeing a drunk driver–a rolling reminder of why we need auto insurance.
According to the Drinking anddriving.org, there are 900,000 drunk driving arrests each year. Those are just the ones who actually get caught–imagine how many other drunken yahoos are out there evading the police and looking to smash up your beautiful new ride?
Unfortunately, the same sort of person who lacks the good judgment to have a designated driver when they go on their drinking tour of the east coast is usually the same sort of person who thinks that liability insurance is for suckers. This means that when one of these drunken clowns runs into you, you’d better have good coverage on your vehicle, including uninsured and underinsured motorist coverage, or else you may find yourself paying for your car repairs out of pocket. For me, as long as people drive drunk, I’m going to carry plenty of auto insurance.