Liability coverage is required in most states. Liability coverage protects you in the event that you are legally responsible for an accident. Each state that requires liability coverage has a set minimum that drivers are required to purchase. Check your state's minimum liability requirements here. In the event of a serious car accident, the minimum coverage limits required by law may not be enough.
Liability Insurance:
covers property damage to the other party in an accident in which you were at fault.
pays for medical damages to the other party for an accident in which you were at fault.
Recommended Auto Insurance Policy Coverage
Recommended coverages are not required by state law but are offered to you as additional protection. These coverages are useful depending on your particular circumstances. For instance, collision and comprehensive coverage may not make sense for an older car. Uninsured motorist coverage is required in a few states.
Collision car insurance coverage covers the repairs to your car when you hit an object such as cars, curbs, poles, trees, etc.
Comprehensive coverage pays for damages to your car in instances of theft, vandalism, fire, floods, fallen trees, storms, and other acts of nature.
Underinsured motorist auto insurance policy coverage covers your medical and repair bills when your damages exceed the other driver's liability coverage limits.
Uninsured motorists auto insurance policy coverage protects you against drivers who are not insured or a hit-and-run driver.
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