Welcome to Hazzard County. It's good to have a new person in town and we hope you stay a long time. From what I remember back then, if you were still making payments on your car, the bank required insurance. If you owned your car then you didn't need insurance (these rules varied depending on what state you lived in).....but eventually everybody had to have insurance that was called "no fault" although people jokingly called it "my fault" since it hurt folks with better driving records. The cheapest insurance only covered the other car and person in the accident IF the accident was your fault. Remember though that Waylon often said "We do things different in Hazzard County" so none of that really mattered anyways.....And as people often said, if it weren't for Cooter the show couldn't have happened. It didn't matter how bad the wreck was, Cooter would have all the vehicles fixed up that same day for donuts and beer, with a small amount of cash on the side.