Why Do I Have To Have Auto Insurance? 
Great question ! It is a very common question - why do I need insurance ? The purpose of insurance is to protect against risk . To help provide the money that would be needed to replace or repair the vehicles , and to provide for personal or property damages that might be incurred . You need the insurance , to protect yourself first , and to protect the other driver that you may hit . Cars are expensive to repair , and lives are irreplaceable . Even if you have n't had an accident in years , I 'm guessing that the minute that you do , you will be very happy that you had it . If you would like to discuss this more , please feel free to contact me , I 'm happy to help . Thanks for asking ! 