text: In a vehicle, insurance can be expensive or cheap, but it depends on what kind of insurance the vehicle has. Full coverage is the best one, it can back up anybody that gets in a car accident. The liability insurance is good too, but it does not cover that much if a person gets involved in a car accident. So, going with full coverage should be the best choice. Insurance insures your vehicle, driving without insurance is illegal. If a person gets into a car accident, insurance is there to help but if a person was too busy distracted on their phone, the insurance payment will go up. A driver that gets him or herself into an accident and they were very distracted on their phone, there could be some bad consequences.