I think they limit the insurance to match what your other car is insured for, though I'd have to check my policy. As the other reply to you implied, insuring yo

I think they limit the insurance to match what your other car is insured for, though I'd have to check my policy. As the other reply to you implied, insuring yourself for damage to your own car is not mandatory. The mandatory part is insurance for damage to other cars and property (the government here directly provides drivers with bodily injury insurance although policies often provide extra coverage).