I just resolved a case for a client with extensive injuries. Sadly, the injuries were very bad. It's even more despairing because there is not enough insurance to adequately compensate the person for their injuries.
This is the kind of situation that you, the reader, can protect yourself.
Cautious and defensive driving only protects you so far. There are plenty of unlicensed and/or irresponsible drivers on the road.
However, for a few dollars more a month, you can insure yourself to make sure you are protected.