As sure as I will continue to drive, I will never travel without car insurance in New York. We have all had those moments that shake us to the core. Close calls with other drivers or with a metal post or whatever may be in the way. My biggest scare was driving on the highway while debris flying from a construction truck that hit my windshield and left me unable to see for a second. I was able to avoid the accident, but I immediately called my insurance carrier and asked if my policy covered all I felt necessary. I knew what the New York car insurance minimum requirement was, but that scare warranted a second look at my insurance.