You never know if you are going to get in an accident and what that accident is going to look like. I have never been in a wreck but on Thanksgiving Day a man ran a red light and hit my car going 35-40 mph. It was very scary cause in a collision you are powerless!! Luckily no one was hurt. The man that hit me did not speak any english, did not have a Texas Drivers License and did not have insurance. This is a situation that really sucks but happens more often than you think. There is a Uninsured/Underinsured coverage option on your auto policy that will be a life saver in this situation. Its usually a $250 deductible versus whatever your collision deductible is, usually between $500-$1,000, and you don’t take a rate increase since the accident was not your fault. Insurance is important to people at the time of a claiim so its worth it to check it out and spend a little time to understand what you have and what you need. If spending an extra $10 a month means you are not out thousands of dollars then its totally worth it!