Life is full of surprises and is certainly unpredictable. You can be just cruising along one moment, and the next struggling to keep control of your vehicle. Bad road conditions can make for hazardous driving. Mechanical failures can result in critical situations. Careless drivers can endanger others. Unexpected and unseen obstructions can cause sudden instinctive reactions to avoid them.
There are reasons why states require car insurance if you get behind the wheel. It not only protects vehicle and property, but drivers and passengers as well. A catastrophic accident can easily result in significant medical expenses.