I knew this girl who let her auto insurance policy lapse. She realized that she needed to renew it and kept putting it off. Finally she took the necessary steps to renew it. She faxed in the necessary paperwork and confirmed with her agent that everything was taken care of. Two hours after she hung up the phone, she was in a major accident. Although, she had taken care of everything in time and confirmed beforehand, her agent told her that it looked sketchy. There were people at her insurance agency that suspected her of committing insurance fraud. It was a horrible situation and a good reminder that you should never let your policy lapse. Unfortunately, accidents happen. And, when they do, you want to be sure you are covered.
If you are not covered, you could risk having to be responsible for a large amount of money that you do not have. This is why the state mandates that everyone have insurance. Having insurance is a simple precaution that will eliminate dealing with extra trouble than an accident already causes.
After all, if you got in an accident, the last thing you want to be worried about it is how you are going to pay for it. Instead, you should be worrying about whether or not you are going to be ok. So, keep your insurance current.