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One thing my parents instilled in me is the importance of car insurance. You may never need it, but that one time you don't have it, you will need it. I feel better knowing that while I'm behind the wheel I'm covered. I know it's the law in some states, that you can't drive without insurance. I think that's a great law & should be enforced everywhere. I've experienced first hand what it is like to be in an accident with someone who odes not have insurance.