What can I do to ensure that I won’t have to pay out of my own pocket for damages incurred when I am in an automobile accident?

If you are concerned about your ability to pay auto insurance costs out of your own pocket, you are most likely not carrying as much auto insurance as you should be. You are basically rolling the dice on how much financial liability you face without proper auto insurance coverage. It is sort of like those people who do not have health insurance coverage and hoping that they don’t get seriously ill. If you don’t want to get hit with paying costs over and beyond what your auto insurance coverage allows, then you need to review your auto insurance policy to make sure that it covers as much damages as you can afford to pay in policy premiums. You don’t want to be paying Russian roulette with your financial future by not carrying enough coverage on your auto insurance policy.