A car insurance usually is not used right after it has been put into place. Most likely the insured people (or rather the insured cars) will not have an accident right on the day after they had signed up for the insurance, and many people go through the life of their car without ever being involved into a crash, but people prefer to make sure that they have the insurance anyway. They feel better when they know that if anything would happen, they would be able to repair the car. Some people’s worst nightmare would be to have their car in the garage and not being able to use it because they do not have the funds to repair the damage that has been done to it in a minor crash. I do not know the statistics but I am pretty sure that people usually do not have their first claims during the first week of their new insurance policy.