Auto insurance helps, it saves. With it, you would not have to empty your bank accounts just because of a damage done by a car crash. The insurance company in this case, sort things out without you have to pay through your nose. Car insurance, depending on government laws and what you can afford, can be simple or extensive. There are times that your policy covers damage done to the other person while you take care of yourself by yourself. The government of your state may pass into law liability coverage, it might be what the company offers or what you insist on having. Whatever, you should not own a car without insurance. It ensures your protection.
Most companies prefer to pay money to whomever to handing you cash. For instance, if you have a car accident and your policy covers multiple persons, your firm would pay up the hospital after seeing the bills. But may I ask that would you prefer a company that requires you to finished settling your hospital bill to an auto insurance company that will float the bill as soon as your claim is successful? Please things again.