Ring! Ring! Ring! I quickly answered the phone on my bedside table. It was two o’clock in the morning. My husband and my son were still out. They went to party of one of our cousins. I did not go with them because I have to finish something important. I thought it was my husband who was calling.

“Hello”, I answered. It was neither my husband nor my son. All seems blurry in that instant when the caller mentioned that my husband and son met an accident. The caller was a police. I quickly fixed myself and went to the hospital to see my son and husband. Thank God they were not at fault with the accident and they survived. They suffered from contusions and deep cuts.

That incident happened a year ago but I can still vividly recall what happened. It was painful but we already moved on. We replaced the car. I can only say that the auto insurance we have at that time was helpful in protecting our finances.

But there is one thing that stands out in my memory that is worth sharing. The driver who was at fault with the accident did not have auto insurance. The comparison between the insured driver, which is my husband, and the uninsured driver is really extreme.

The uninsured driver faced penalties and faced a lawsuit of course. Aside from that, he shouldered all the expenses. The last time I heard about him, he already filed bankruptcy. It is really heartbreaking for me to see a person suffered that way but it is still his fault. No one is really above the law.

What is my point? A person without car insurance is always on the wrong side no matter what. Yes, many people are hit by recession but it is imperative for us to follow what is required to us. I mean auto insurance can be expensive but it is better to comply with the minimum requirement than having nothing at all.

There are ways to look for affordable insurance. For example, my husband and I get auto insurance quotes to compare policies. We also try to do the things that will qualify us for discounts like safe driving and installing safety devices in our car.