Why Is Car Insurance Legally Required? 
That is a great question ! The answer lies in the amount of potential damage that can be done in an automobile accident . The damage done to the cars is very expensive to fix ; if the cars damaged someone 's property , those repairs will need to be paid for also . And God forbid , if there are injuries ? We all know how expensive healthcare is . Then let 's add a lawsuit to that pile . To avoid having that kind of risk , Auto insurance was made a requirement . The penalties for driving uninsured were made very stiff to help put teeth into the law . I hope that explains it for you . Thank you for asking ! 