Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 28, 2020

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  • There are many reasons why you need to have comprehensive coverage
  • Each state has its own requirement for mandatory coverage
  • Liability insurance does not pay for damage

One of the highest viewed videos on You Tube is entitled the World’s Best Drivers (in irony) and for good reason.

Since there is no way some of these accidents could happen except with an extreme case of bad luck and driving skills, it makes one wonder how the drivers passed their driving test.

A dozen reasons why you need comprehensive car insurance and expanded coverage beyond state minimum requirements are summed up in the pictures and video below.

Remember, most states only require liability insurance which does not pay for damages or injuries sustained by you or your vehicle.

Sure, you might be lucky enough to have a state which requires property damage coverage so you can pay for the side of a house but even with 10 or $20,000 of auto insurance coverage some of these drivers still had to write pretty big personal checks.

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# 1. First rule of driving. Cars do not have wings!

Whenever you attempt to fly faster than a speeding bullet and expect your car to do the same accidents like this can and do happen. We wonder if pulling the car out of a house is actually covered under an AAA membership?

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# 2. FastPass lanes will be labeled – do not get creative!

Coffee, texting while driving or taking a snooze while driving in the city?

Some cities have potholes but others have wide openings that lead straight to the center of the earth right? No.

The answer is no. Let’s hope this driver just didn’t see the hole instead of thinking it was a FastPass lane to Tokyo.

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# 3. Do we have to explain what WaterProof means again?

When this driver paid $100 extra for Scotch Guard he also assumed he was buying a waterproof car … literally. Hey, can someone turn off the heated pool please – it’s getting hot down here.

# 4. Please, make up your mind!

Should I stay or go? Some drivers can’t quite make up their mind. Note to drivers: anything with 4 wheels generally is designed to stay on land

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# 5. Herbie needs to Sleep!

Very Impressive. Only Herbie could find a hole in the ground custom fit for a Beetle. Way to choose a car color also as no one will ever notice grey on grey right?

# 6. David and Goliath did not have to worry about street cars!

Whenever you try to beat vehicles bigger than you this is what can happen. Have you ever seen a moped go against two minivans? Know your limits or spend your lunch dealing with a whole other kind of sandwich incident.

View more of the world’s worst drivers in the below video and although the odds of any of these accidents happening to you are quite low what if they did? Do you have sufficient car insurance coverage in place?

Many drivers do not have comprehensive car insurance meaning almost all of these drivers were never covered by car insurance for much of the damages incurred.

Don’t risk personal liability for the cost of a few dollars a month.

Speak with a car insurance company today and learn about car insurance options. Get FREE quotes online with the zip code tool below!