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On my way home from work one day, I stopped at the scene of a minor traffic accident to see if I could help. What I found was surprising to me.

I’ve never been in an auto accident myself, and I carry full coverage auto-insurance so even if I do manage to get in a wreck, I feel confident that mine won’t turn out like the story I’m about to unfold for you. However, on this particular day, the young lady who had bumped the car in front of her at the stop light was not carrying any insurance, and as I pulled up to the accident, as yelling at the rather angry man whose car she had dented about how she didn’t want the police involved, and would pay for everything herself.

As was right and correct, he called the police anyway. The young lady started crying and pleading with him not to. However, there was damage to his car, and he wanted to be able to get it fixed through his own insurance company, not have to rely on some girl he doesn’t know who may or may not bother to pay for anything.

As I’m talking to these people, and trying to get the young lady to stop screaming and crying, go sit down on a curb and just wait for the arrival of the police, I realize that this could potentially turn into a real pain for the both of them. Wondering how everything will unfold, I’m there when the police arrive. The officer talks to both parties involved and takes down the pertinent information. He then talks to me as a witness to the argument that had transpired, if not to the accident itself. I tell him what I heard and saw, and he takes down my name and number for the record.

Then he calls for a tow truck. Neither car had anywhere near enough damage to be towed. However, in many jurisdictions, this one included, driving with no insurance, driving on a suspended license or a DUI/DWI arrest ends with the offenders’ car being towed away and impounded. Now this young lady who wasn’t carrying auto insurance because she said she couldn’t afford it has no car, and no way to pay for the hundreds of dollars in impound fees. Not to mention the $497 ticket that she received for driving without proper auto insurance. Luckily, the person whom she rear-ended didn’t decide to sue her, and neither did that persons auto insurance company. Had the damage been worse, or had there been a personally injury involved, she could possibly have been sued by both.

Now you tell me. Can you afford NOT to have auto insurance?