Hare Krishna prabhus, please accept my humble obeisances. All Glories to Srila Prabhupada! I have a practical problem I hope you can give me some advice on.

I must buy automobile insurance by Italian law, but I don't know if I should get the minimum, which costs about 300 euros per year, or if I should get additional coverage which will cost around 400 more euros. Of course my insurance agent says I should get additional coverage for things like personal injury. The minimum insurance covers only the other car and the other driver in the case of an accident. To have coverage for my own injuries and injuries of my passengers as well as damage to my own car, I would need to pay about 400 euros more.

But I was thinking that getting into an accident and having to pay a lot of money could be my bad karma, and even buying insurance will not protect me from that. So why waste money trying to prevent some bad karma I may have coming to me and will have to pay for sooner or later anyway?

On the other hand, maybe paying extra auto insurance is just a responsable act of duty in taking care of this body, my family, and avoiding catastrophic loss of money. Just as I should dress warmly to avoid catching a cold, maybe I should also buy auto insurance.

Obviously that money could be used for Krishna's service. Should I get the additional insurance?

Thank you very much for your comments and ideas,
-Dhananjaya Pandit das

You need to be a member of ISKCON Desire Tree | IDT to add comments!

Join ISKCON Desire Tree | IDT

Email me when people reply –


  • Thank you so much prabhus for your feedback. I was afraid that for personal fear I was wasting Krishna's money. I feel better now about paying the extra insurance.

    your servant,
    Dhananjaya Pandit das

  • Hare Krishna Prabhuji!!!!!!!!!




    Radhey! Radhey!

    Prabhuji i understand that all Devotees are fully dependent of on Lord Krishna Mercy and we have to be but i would to tell one thing doing any kind of dishonesty is also like cheating with the Lord.  So just to save the insurance amount and spending that cheated amount on service of the Lord Krishna is not done and i will never support this.  It is just like that we steal the money from one place and keep 50% with us and 50% spend it on the Service of Lord Krishna that is not good.  We should always remember honesty is the best policy.  If we honestly earn the money and honey spend even a single penny of our hard earn money in Krishna Consciousness, it will have more value than that cheated amount give in Lord's Service.

    Lords see the feeling that how deep feeling we have toward the Lord.

    So please go for proper insurance and go for some other sources to collect the money for Lord Services.  Like skip using ur car for a week and use public transport for your office and collect that amount in Lord Krishna Service.

    Hare Krishna 

    Your Humble Servant

    Bhuwan Dutt Bawari

  • E-Counselor

    Hare Krsna Prabhuji,


    My views are: of course we have to depend on Krsna, but that does not mean that we dont have to do our duties at all. The intelligence we have is also provided by Krsna, so we should use it in the service of Krsna, or to serve Krsna better. The way to serve Krsna better would be to be able to concentrate on the service rather than what if there is a big accident and I have to run from pillar to post for getting the money to handle the medical issues to me and repair issues to the car. Therefore, it would be better if we pay more insurance now than suffer later when some accident is not covered by insurance.


    My vote is to pay more for insurance than suffer later.



    Your servant,


This reply was deleted.