Why do you need car insurance?
Car insurance is a must if you own or operate a car. Most states require you to carry car insurance, and without it, you face financial disaster if you cause a serious accident and get sued.
Beyond the mandated liability car insurance, it can also pay to repair your vehicle if it gets damaged in a crash or natural disaster, like hail or wildfire, or is vandalized or stolen – if you have chosen the right coverages to be on your policy.
Car insurance coverages
One policy can include several types of coverage.
Some car insurance coverages are required by your state’s law, like liability, and others are optional and provide added protection. Optional means by law you don’t have to buy the coverage, however, if you have a lease or loan on your vehicle your financing company can mandate you carry certain coverages,