There is also a big mistake made by many people by not including personal injury protection and underinsured/uninsured motorist coverage. Based on the state of health insurance today most individuals and families have very large deductibles. If you were in an accident it would be nice to be able to use the benefits of personal injury and uninsured motorist coverage to overcome the large out of pocket expense due to your health insurance deductible. There is another statistic which shows that almost one in four vehicles on the street today have NO insurance. If you get hit by an uninsured driver it will be up to you to take care of your own medical expenses that could be substantial and you will have to repair or replace your vehicle out of your pocket.