It’s never a matter of “if” you need insurance, it’s a matter of “when” as long as you’re driving in the state of California. Best case scenarios of “when” you need it are if you need to register your vehicle, getting pulled over by a police officer, or any other “fixable” scenarios. However, it’s that one time that you accidentally press the gas pedal instead of the breaks and it causes $15,000 in damages that you feel relieved you have insurance. It’s the one time of driving after 12 years that you get into your first accident and injure someone that your $35/month policy comes in handy to pay their medical bills. We all love to think “that won’t be me,” and we hope it’s not you, but it is your choice to suffer the discipline and stay insured or suffer the consequences in case of an accident.