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by: SusanTanner
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As a licensed motorist in my state I am required to obtain and pay for car insurance on a regular basis. I suppose the payment for such services is the first of the pitfalls of car insurance. As you may have already experienced, car insurance can be quite expensive. Believe me, with the accidents my children have had, I know.

Next, is the obvious pitfall of turning your name and private information into a company. Many of them sell this info and you start receiving more junk mail.

If you're a very careful driver and have never filed a claim, it doesn't matter. Everyone has to pay for car insurance even if it's never used. It's just another trap with car insurance; a driver may pay for decades but never see the benefit because he has been a good driver.

Even though the accidents of the not-so-good drivers do require payouts by the insurance providers, does it really add up to the profits that are earned from the safe drivers? I doubt that the company's profits are affected or they wouldn't continue to be in business.

Having a policeman or insurance company determine you were at fault is also a problem since it's not always true. Only the people involved in an accident really know what happened. If you're unfortunate enough to have the other driver lie about it, it could raise your rates and cost you in higher premiums for many years.

Maybe you've avoided accidents and premium increases but did you consider hiding from your agent? Maybe you're lucky, but some agents can be an issue. We've all heard the jokes about insurance agents. They're very eager to sell more insurance, get more customers, increase your coverage, etc. Professionals exist, but if you get one who isn't, good luck.

Keeping track of the insurance card can also be trying. A new one (or multiple copies of it) is issued every six months and they accumulate in the glove box with all the other \"necessities\" like tissues, the tire gauge, extra straws, etc. It's often embarrassing to have to sift through the mess in order to provide the officer (who just pulled you over) with the required information.

Finally, the biggest of the pitfalls of car insurance has to be the uninsured motorist. This is the guy who doesn't believe in the system, although a necessary evil. He doesn't purchase it. He doesn't carry the card. The insurance guy doesn't know who he is. Of course, he is also the one who sideswipes your vehicle and tries to leave the scene. He doesn't have any money to even pay your deductible. This guy, while simply trying to save a buck or two, is certainly the one who will have the accident and cause you serious financial troubles.

About the Author

To find out exactly how I got car insurance, visit my website about auto insurance

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