- by C.C.
If you have a car, your state will require you to carry at least some kind of auto insurance. This coverage is intended to protect others in case you cause an accident — and sometimes to ensure you’re also able to cover your own bills if something goes wrong.
Liability protection is required almost everywhere and is an essential purchase because it pays the bills if you cause injury or property damage to someone else. Personal injury protection, which is required in some states but not others, is also important because it can pay for your medical bills and lost wages if you get into a crash.
Other types of coverage include:
Underinsured and uninsured motorist coverage, which pays for your damages if an uninsured person harms you
Collision and comprehensive coverage, which pays for the repair or replacement of your vehicle if you cause a crash; are in a single-car accident; your car is stolen, or something else goes wrong such as a tree falling on your car.