1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Not to be flip, but the short answer is "because your State says that you do". Most if not all states now require proof of insurance along with other documentation in order to maintain registration on a vehicle that will be operated on local and state roads and hioghways. This requirement came about as a result of many situations over a numnber of years where uninsured drivers caused too many accidents resulting in a large drain on the insurance companies of those drivers who did the right thing without being told. Requiring all drivers to show proof that they maintian car insurance minimizes the huge financial drain on the insurance industry and your neighbors.
    Answered on March 26, 2015
  2. 1185 POINTS
    Scott W Johnson
    Manager, Marindependent Insurance Services LLC, California
    Yes, Tom is indeed correct. Mostly you need it because of the State Law.

    However, let me throw in some other reasons you should have Auto Insurance:
    - To Be a Good Citizen.
    - To protect you and your family.
    - To assist some people in replacing that Car in the Event of an Accident.
    Answered on October 24, 2016
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