28th August 2004, 1:02 PM
I think you should be allowed to not get collision insurance (the kind that replaces your car if you are at fault) because some people's cars are worth less than what they would pay for this, and it's your choice to do that and not get your car replaced. But you should have to have it for damage you do to other vehicals and other people (including others in your own car), I really don't care if you get it to protect yourself, though you are pretty stupid if you don't.