Botswana has a significant number of uninsured or under insured drivers. This article talks about the risks you face when you drive without coverage.
Driving without insurance cover, or driving with low insurance coverage (being under-insured) is a risky gamble which inevitably becomes expensive if you have an accident. Botswana has a large number on uninsured drivers on the road, which puts the drivers themselves, and third parties at risk. Alpha Direct offers products, which can make car insurance more affordable, and reduce the risk of personal liability should an accident occur.
Before driving on our country’s beautiful roads, Batswana need to consider the risk of driving uninsured. While there can be small savings on taking on the full risk, especially during difficult financial times, the implications of driving without cover affect not only the uninsured party, but those who do have insurance and even the providers of insurance solutions.
Statistically, every year, one in four people will be involved in a vehicle accident. This puts nearly each and every one of us at major risk. The cost of a vehicle accident can run from the low thousands of Pula, all the way to hundreds of thousands, and in some cases millions of Pula! Uninsured people could have their wages garnished if they are unable to cover the cost of a claim. With over two-thirds of drivers on our roads being uninsured, your chance of being hit by a driver without insurance is high, and getting your dues from another uninsured driver can be an arduous and time consuming affair, and even if you are insured, you will need to consider your excess which will need to be paid to your insurer.
While one aspect to consider is the damage to your vehicle, if you caused the accident, you will probably also be held responsible for the surmounting costs of repairing the damage caused to the vehicles or property of other people, which could be pursued either by them or their insurance company against you.
No matter which way you look at it, the negligible cost of premiums absolutely outweighs in benefit, the cost of an accident. If you are presently uninsured, contact an Alpha Direct Agent at 392-8264 to receive a free quote.
I need help with insurance …car and house
Good day Marina, Kindly provide us with your phone number, or contact our call centre at 392 8264, or complete the quote request form at http://www.alphadirect.co.bw/quote.html