Soon you'll be informed enough to understand why your insurance agent looks away and giggles every time you mention your deductible . It's the law . Almost every state government requires that car owners have car insurance. And even the states that don't require it by law insist that you provide evidence that you have the financial resources to pay a judgment against you if you should injure another person. So getting insurance is a good idea, even if you consider yourself a perfect driver.
Car insurance protects unlucky people that are the victims of accidents.
And the same holds in reverse if someone puts their car through your fence, car, or part of your body. So requiring people to have car insurance protects innocent people with bad luck. Insurance companies can handle huge bills . Insurance companies work by charging customers periodic fees and then footing the big bills if any huge catastrophes arise. If you have insurance, the company will pay.