Most people get insurance to stay legal; and to most of them that is the only reason they feel they need insurance. The vast majority of people do not understand the potential high cost of an accident they maybe found liable for. Here's some numbers we found from MVD Crash Facts: the average property damage accident cost $8364, Accidents with bodily injury $12,648. Who has that kind of money on hand in case of an accident? If you were at fault for either of these accidents and you carried the state minimum liability limits your insurance carrier would over all of that even if your accident had both property damage and bodily injury. Those numbers are the average think of what a bad accident would be $50,000, $100,000, or even more. If you do not have insurance and do not have cash on had to pay for the damages you caused, you could lose your house, they could garnish your wages; plain and simple you will be sued in one way or another. car insurance is a social responsibility insurance provides financial support in the event of an emergency or unexpected loss. The primary purpose of any type of insurance is to cover costs an individual or household wouldn't otherwise be able to cover out of pocket and will offer financial protection. We value all of these matters for u and your family we are here to help with your financial needs.