[JJMcJ]

Here in the US, and I assume in Canada as well, there are two main kinds of car insurance:

Liability - that pays for damages/injuries to others

Collision/Comprehensive - that pays for damage to your car

It sounds like the author wanted Liability but didn't want to pay for Collision. If you have significant assets and/or a cheap car, it may be to your advantage not to get the collision. Except he didn't use the customary terms but described them rather elliptically.

In fact, take the money you save on Collision and get more Liability is not a bad idea.