I know from my experience that owning an old car is way more expensive than buying a new one. And as you said, sometimes there's no reason for insurance because the car doesn't have resale value. Well, there are two sides of the coin, as you already understood and car insurance would have saved you some money after this storm. I got comprehensive insurance on my car after I read reviews and advice on https://www.moneyexpert.com/car-insurance/ and I plan on getting collision insurance too. Good luck with fixing the car by the way.