Imagine being stuck at the scene of an accident and the almost pitiable person that wrecked the car you saved two years to pay for has absolutely no auto insurance. Your mind begins to race after the initial anger subsides, on how in the world are you going to handle this. I am a New Yorker with New York mentality. I knew the job was dangerous when I took it. That job was riding in cars in the city. You can’t take the job without some risk, but I also knew after my accident, car insurance in New York is not a suggestion, it is a must.