Baseline auto insurance is a requirement in most states, implemented to keep you and others on the road safe and protected in the case of an accident. Policies vary based on a variety of factors, including the make and model of your car, your location, and the number of drivers on your personal policy. However, the assurance that complete car insurance provides brings peace of mind no matter what road life takes you down.
More than likely, yes. While some states may not require auto insurance, every state does require financial responsibility for drivers in the event of a wreck. Without proper coverage, the responsible party could be left with significant bills.
While each auto insurance policy varies, most states require drivers to carry bodily injury liability and property damage liability, covering both cars and drivers involved in accidents. Some states may also require you to carry medical payments or personal injury protection (PIP) to reimburse medical expenses for injuries to drivers and passengers, even covering lost wages and related expenses.
Each policy varies, though most basic policies cover damage caused by your car rather than damage to your car. For additional coverage on your own vehicle, it's best to add collision coverage, comprehensive coverage, and glass coverage to defend against any circumstance that may bring a surprise cost if your car is damaged.