If you file bankruptcy, and your house and car are included, they ask you to get full coverage insurance on your car. If the reason that you filed was because you aren't able to pay your bills, how can they ask you to pay more on your insurance. If you don't have the money to do so, what can you do?

Some things are allowed. They know you have to have a car payment and insurance because they are not saying you can't drive and work because you have to do both if you can pay your bills. They don't want you to cop out entirely.