Why people NEED car insurance....

Last night at about 8:30pm, I had just dropped the kids and the hubby off at home and was headed to Target. I was talking to my mom on the phone and was stopped at a red light. I look and see this big Chevy Subarban coming at me head on! I started telling my mom I'm about to get hit, this lady is going to hit me! I was so scared. She somehow managed to get between me and another car (a sable type car) and drove through the middle of us while hitting 5 cars along the way. She then was stopped one because she lost a tire, and two because she hit the cement wall. (we were on an overpass) The lady and everyone else involved were all ok, no injures that had to be taken to the hospital....Thank God! I do not know how or why she did not hit me head on! The paramedics told us it was our lucky day, I truly believe that. Yes it sucks, because now my blazer will be in the shop for who knows how long, and now I have to deal with getting a rental car and all the insurance crap. BUT it could have been MUCH worse! I'm glad that I don't have too much damage....and that I had car insurance!! (Honestly, I did not enjoy paying that bill too much, and it more times than not got pushed to the end of the importance line and seldomly got paid.) FROM NOW ON, WE WILL HAVE INSURANCE!!!! And I am going to add unisured motorist today. In fact I may just raise my insurance now, hahaha......The lady did have insurance so at least I don't have to worry about that as well! Hope everyone has a great weekend!!