The first and most important part of car insurance to understand is that you are not insuring your car, you are insuring against damage caused by your car.
If you crash into another car, a house or even a pedestrian, you need to be covered in case you are sued for damages.
If you accidentially ran someone over and broke both their legs... 'Sorry' would not be enough. Without insurance you could be liable for tens of thousands in compensation, not to mention the hefty fine for not having car insurance in the first place.
Even the most basic Cheap Car Insurance cover would prevent this from becoming a problem.