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Should it be illegal to not have car insurance in South Africa

Should-it-be-illegal-to-not-have-car-insurance-in-South-Africa-

Did you know, according to South Africa’s Automobile Association reports, up to  70% of registered cars in South Africa are not insured? Taking into account the unregistered cars on the road that don’t have car insurance, there are way over 11.4 million cars on the road that aren’t covered.

While most South Africans are well educated on the consequences of not insuring their vehicles, it’s surprising how many drivers assume they will not become victim of theft or an accident. Paying for car repairs can be a crippling expense for most. If someone is at fault during an accident and does not have insurance, you better hope they pay out without the need for legal action.

Here’s why so many South Africans are choosing to drive without car insurance:

They don’t drive often

If someone works from home or relies on public transport most of the time, they may not see the need to take out car insurance. They may just need a car to go to the shops and back on occasion or pick up their kids from school. However, most accidents happen close to home; therefore, insurance is vital, even if it’s for a car that’s rarely used.

They can’t afford insurance

Many South Africans can’t afford to pay for car insurance, which is quite dangerous as, if they are at fault in an accident, they probably won’t have the means to pay for any damage done to your car either. For this reason, cheap third party cover is available to at least pay for damage caused to other vehicles in the case of an accident.

They don’t realise the consequences of not having insurance

Cars, some more than others, are expensive to repair and, if you don’t have insurance, you have to fork out the money some or other way when your car needs to be repaired. Also, a lot of people don’t realise how easy it is to write off a car. If you don’t have car insurance, you can end up losing a lot of money, or even worse, racking up more and more debt.

Their car is not their pride and joy

For many people who look after their cars and take pride in their cars’ appearances, it is frustrating that other people don’t. To some, bumps, dents and scratches are a huge deal and to others, they’re only concerned about the main function of their car, being to get them from A to B. The problem with this is that many of these drivers don’t take the third party into account, so they don’t have third party cover in the case that they get into an accident.

The big question is, do you think that every car owner should by law have car insurance in South Africa or not?

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