The law of the land requires that vehicles be insured. Yet there are many vehicles that are either uninsured or under-insured. If you happen to get in an accident with such a vehicle, you and/or your insurance company will most likely end up paying for some or all repairs and medical bills resulting from the accident.
Assuming that you do have car insurance, do you know that your vehicle is adequately covered? If you aren't completely sure, call your insurance agent and ask him to review your policy with you. If you do determine that you need to increase your coverage, don't automatically assume that your insurance company offers the best value for your needs. Take the time to request quotes from other agencies. This does not have to be a time-consuming and tedious process. Instead of calling individual agencies, follow the example of many other drivers and shop online for a car insurance quote.
If you do not have car insurance, do remedy that situation with all haste. Take the advice in the previous paragraph and shop online for quotes. Whatever you do, make sure you get the coverage you need as soon as possible.