Who’s going to pay for repairs on that "remodeled" SUV when your teenager accidentally drives it through the garage door? Or what if your uncle forgets to put your car in park and it rolls into the neighbor’s brand-new convertible? Would you be covered, or would you have an angry neighbor and a financial mess on your hands? Whether you drive a nice car or a beater, you want to make sure you’re covered in case life decides to hit you . . . or your car. To protect yourself, it’