Do you really need four wheeler insurance? Yes, having four-wheeler insurance is essential for several reasons. Firstly, it is a legal requirement in most states. Operating a vehicle without insurance can result in hefty fines and legal consequences. Secondly, four-wheeler insurance provides financial protection in case of an accident or theft. It covers repairs, medical expenses, and liability costs, ensuring that you are not burdened with significant financial losses. Additionally, insurance also offers peace of mind, knowing that you are protected against unforeseen circumstances on the roads.