Why Have Car Insurance? 
Insurance is designed to share a risk that you can not handle yourself . Can you pay the $ 750,000 paid a few months ago to the family of a pedestrian struck in a crossing lane ? Can you afford to buy your vehicle if it is damaged in a collision ? If you or a passenger is hurt in your car by someone else who thinks auto insurance is unnecessary , can you pay the medical bills ? The legal requirement is a minor issue . 