It depends on how much you expect to crash through no fault of your own. I only have an accident for some cars. For ordinary people, it seems unnecessary, but I usually have the most expensive one, which will offer me: -complete repair in hail or falling branches -towing the car HOME - NOT to the nearest service - free replacement car rental in case of failure - free windows (all) However, the insurance company, which boasts that it is cheap, will not offer you such insurance. So the emergency seems unnecessary to me. During my driving time, running less than 3 megakms, I caused an accident with damage of 6 thousand crowns. So for me, the money thrown away today is an accident, I have already "saved" by not paying the insurance. But of course if you want (I don't excuse anyone), choose an insurance company, but not according to the price.