There are a lot of people that do not want to join insurance, especially auto insurance. It might happen because they through that they will easily fix their car whether there is any accident happen. However, the problem of accident is not that simple. If the accident is considered as light accident, they might still able to fix the existed car by their own. In the other hand, the customer will get a heavy problem if the type of accident that happen is the contrary.
The light or heavy car accident that caused a victim would lead you to a court and you will be able to sue with huge amount of money. If you have the auto insurance company, they will handle the lawyer, court fine and the other parties car fixing. Your car will also get special treatment even though you might not get 100% fixing cost payment from the insurance company.
The heavy car accident would also cost you with huge amount of money. If you do not give the opportunity to the insurance company to help you, you will directly down to bankruptcy. It would be better to directly join the insurance company right now because no one would ever know when they would get an accident.