Auto Insurance Is trying to screw me?

"I'm 17 currentlyImagine if I choose to not have insurance on my automobile? whats the massive threat im getting? Is it even needed by me?
What is a meeting with a chiropractor cost? And the way  insurance   s work?
"Geico offered me with $2"And so I just bought a car and my cousin which is 19 and am 17"a vehicle struck my car and also the vans  insurance   company is investing in everything. I got a call from a body shop indicating they acquired the estimation cost for my car's damage. My issue is: easily find another body shop to repair my vehicle for less then the insurance carrier projected"The automobile is mine and the automobile is covered under my name. Will my cousin enter difficulty if she pushes my car that is protected even though her label isn't within the car insurance coverage