Every state requires automobile liability insurance. You generally must show proof of having liability insurance in order to register your vehicle or renew your tags, and many states require that you present proof of insurance if you are stopped for any moving violation. Liability insurance pays your legal defense costs and any successful claims against you if cause injury or death to another individual or damage to property while you are driving. Liability insurance is attached to a particular vehicle, not an individual, meaning that it also pays if someone else driving your car with your permission causes such bodily harm of property damage. Liability insurance does NOT cover your own medical or repair expenses if you are injured or if you vehicle is damaged in an accident.
There are other types of insurance coverage that you may be interested in even though your state may not require it.
Personal injury protection pays for your medical expenses if you or someone riding with you are injured in an accident. It also pays for your medical expenses if you are injured while a passenger riding in someone else’s car.
Uninsured motorist insurance pays for costs related to personal injury to you and your passengers or damage to your vehicle if you are involved in an accident with someone who does not have insurance.
Collision insurance pays for damage to your own vehicle if you are involved in an accident regardless of who was responsible for the accident.
Comprehensive insurance pays for damage to your vehicle resulting from non-accident-related events such as hail, vandalism, fire or theft. If your vehicle is financed it is almost certain that your finance company will require that you carry collision and comprehensive insurance until your loan has been paid off.
There are other types of insurance coverage that you may be interested in even though your state may not require it.
Personal injury protection pays for your medical expenses if you or someone riding with you are injured in an accident. It also pays for your medical expenses if you are injured while a passenger riding in someone else’s car.
Uninsured motorist insurance pays for costs related to personal injury to you and your passengers or damage to your vehicle if you are involved in an accident with someone who does not have insurance.
Collision insurance pays for damage to your own vehicle if you are involved in an accident regardless of who was responsible for the accident.
Comprehensive insurance pays for damage to your vehicle resulting from non-accident-related events such as hail, vandalism, fire or theft. If your vehicle is financed it is almost certain that your finance company will require that you carry collision and comprehensive insurance until your loan has been paid off.