Insurance does not remove liability from you personally. If you cause damage with your car, you are liable for it whether you are insured or not. The insurance

Insurance does not remove liability from you personally. If you cause damage with your car, you are liable for it whether you are insured or not. The insurance is a private contract between you and the insurer where you basically agree to pay them a monthly amount and they agree to cover any losses you may be liable for (up to some pre-agreed limit). But the liability is not theirs, it is yours, and if the damages exceed your coverage limit, you are responsible for the difference.