Even people with auto insurance may not have coverage if they are disabled or unable to work due to a crash. I didn't for years, because I drove a crappy car, and only had liability insurance. I never had uninsured driver insurance, because if my car was totaled, well, so be it.
And yes, there are products out there for people who don't own their own cars. If your insurance carrier doesn't offer it, perhaps you could mention that others do. That implied threat to go elsewhere with your insurance dollars tends to focus the mind of your insurance agent. Besides, there are lots of other ways to get insurance for disability/loss of income. Considering the cost of owning and operating even a cheap, paid for car, paying the insurance premiums for disability/loss of income insurance has got to be cheaper, so that's no reason to not go car-free. Robbie
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