Dirk Derrick's book "3 Feet From Disaster" helps make sense of why you need to protect yourself with the right car insurance.

Did you know that if you are riding down the highway with your family, and a drunk or reckless driver runs into you, and he or she has no insurance, the EMS service, the hospital, the doctors all look to you for the payment of your bills, even if you are a completely innocent victim who did nothing wrong?

Did you know that if you don't pay these health providers, you can ruin your credit?  These providers can obtain legal judgements against you and legally go after your assets to pay the bill.

Did you know that if you are unable to work and the at-fault party has no insurance, your creditors continue to look to you for house paymetns, car paymetns, utility payments, etc.

You can work your entire life to provide for your family, buy a home, buy vehicles and other property, and then because of one drunk driver, a teenager texting a friend, or inattention by an uninsured driver, your health and livelihood can be in jeopardy.  Even if the at-fault driver has insurance, in the majority of cases we see, the drivers only have the state required minimum of $25,000 / $50,000 in liability coverage.  That means that the most any one person can obtain from them in an accident is $25,000.  Additionally, there is a $50,000 limit to what can be paid out totally among all the injured victims of a wreck.  $25,000 is nothing compared to the costs of doctors, hospitals, surgeries, etc.  Therefore, if you have not protected yourself with your own insurance coverage, you may be unable to obtain the necessary healthcare and receive the needed compensation for your lost wages and injuries.

You may be wondering if the at-fault party does not have sufficient insurance, can you sue them personally?  The answer is yes.  But, the truth is, the great majority of drunk drivers, reckless and negligent drivers, as well as ordinary working people do not have sufficient assets to pay a significant judgement.  There is a reason they have no insurance.