western country-if I were to get into a small accident i could be paying thousands in my country.So to avoid this would insurnce be okay.(the one that is not mandatory in the country,as that one only covers injuries in crashes) 20% ppl in my town got into a car accident in the past year surveys say

Ustadh AbdulAziz al-Haqqan

I do not see this to be permissible, and Allah knows best, but take your situation to a mufti and ask him with the details.