Know Your Rights
If you are in an accident, injured, and you are not at fault, they won't offer a fair settlement for your injury. When you buy insurance get FULL coverage other wise YOU pay out of pocket for repairs or replacement. Maybe you will get something from the other insurance company but it will take awhile. Also get as much coverage as you can afford. If you have low coverage amounts and are at fault in an accident YOU can be personally liable for damages beyond your coverage limits. In other words you can LOSE everything you own and maybe still have to pay the balance for the rest of your life. If someone hits you use YOUR insurance that is why you have it in the first place.