Car insurance is not mandatory in the Philippines, but it is highly recommended. There are many reasons why car insurance is a good idea, even if it isn't required by law. For one, car insurance can help cover the costs of damages to your car or someone else's car in the event of an accident. It can also help cover the costs of medical treatment for you or anyone else involved in an accident. Finally, car insurance can provide you with peace of mind in knowing that you and your car are protected in the event of an unexpected incident.