While my friend and I debate on the best insurance comparing life rates, we still agree on one thing, it is practical to get one for security and peace of mind. Same goes to cars. I remember one time that one owner-type jeep hit our car. The driver instinctively got down to check the damage. But he suddenly went back to his jeep and simply drove away. Good thing I got his plate number. So the insurance company will be the one running after them.