Car insurance

We can't stress more the importance of insurance these days. It's one of those little things that you might not pay attention to until you need it and the proper coverage is just as important also. It happened five years ago. My husband thought he had good car insurance and then he had a guy come out of nowhere. The dark car with no headlights on, my husband turned in front of it. They hit and luckily my husband's insurance company fought for him to determine that the headlights were actually off during the impact. They found a way to determine whether lights are on or off even if they have been destroyed in the accident and my husband won.