Getting into a car accident is one of the fastest ways to ruin your day. Whether it was your fault or not, the hassle of dealing with a stranger and just crossing your fingers that they will be reasonable, calling the cops, exchanging insurance information, and scheduling repairs for your car can take a lot of energy. In most situations, it is pretty straightforward who is at fault and responsible, but the beauty of car insurance is that when you happen to have a bad day and bump into someone else, you should be covered.

One driver hopped online to detail his infuriating experience with a Karen after she plowed into his car

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He later posted an update explaining that the Karen was even more upset than before

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Car insurance is a beautiful thing. It may be expensive and a nuisance to pay each month, especially if you are a cautious driver, but it is always worth it to have. Not to mention that it is illegal not to have it. In the United States, for example, the penalties vary per state for being caught driving without insurance, but it always includes a fine, often includes a suspension of the driver’s license, and sometimes even includes jail time. Some states are stricter than others, with Delaware enforcing the heftiest fine, of $1,500, and a 6 month period of license suspension. In Connecticut, however, uninsured drivers can be met with up to 5 years in jail. Regardless of what state a driver is in, it is never worth it to avoid paying insurance.

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Yet somehow, there continues to be a handful of drivers who refuse to get insurance. I understand the burden of paying about $150 per month to an insurance company, but that is part of the responsibility of being a driver. Unfortunately, not having insurance is a huge risk that nobody should be taking. According to a 2021 study , however, about 12.6% of American drivers are uninsured. Some states are even worse, though, with 29.4% of drivers in Mississippi lacking coverage. Even if you think you are an excellent driver, it is impossible to predict what will happen on the road. Car insurance gives you peace of mind and prevents you from suddenly being saddled with exorbitant bills (not to mention the fines associated with driving uninsured).

Readers found the story amusing, with many bashing the Karen and some sharing their own similar experiences

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