Some people think that just because they do not use a car very often and only travel a couple of miles when they do that they should not have auto insurance coverage. After all, why pay that much money for a car you drive three miles round-trip twice a week to get groceries from the store? Sure, there is a good argument in that, but there are actually some very valid reasons why you should have coverage regardless of how often you drive and how short the distance.
Your State Requires It
Many states have made the move to require ALL licensed drivers to carry a minimum auto coverage of liability. Some states require full coverage, which is even more unseemly to drivers like yourself. However, if you do not pay for and carry the amount of coverage required by law, and you get into a little fender bender in the grocery parking lot, you could lose your license. Worse still, you could be in a state that will order you to purchase and carry SR22 coverage for three years for avoiding to purchase regular auto insurance!
Most Accidents Occur within Five Miles of Home
Do not forget this fun fact from your driver's education course! Most accidents occur when you are so close to home you could finish the distance on foot if you had to. That said, going three miles to the grocery store twice a week still has its risks for a minor accident. Without car insurance, you could get sued, even if the accident was not really your fault.
There Is Always Somebody Driving Recklessly
Not everyone drives carefully. There will always be someone driving too fast, swerving all over the road, driving under the influence (even in the middle of the day!), and just driving foolishly. While you may drive your short distance very carefully, that does not mean that the person that hits you is, or will, drive with caution.
When the police arrive on the scene, the first thing they are going to ask is to see your insurance, even though the accident was not your fault. Oops! What will you say and do then? By the way, most police officers can look up your information to see if you have insurance registered with your state's D.O.T., so lying to the officer is not going to work. It is just better to have the insurance, just in case.