It depends on your particular situation. At a minimum, drivers must carry bodily injury and property damage liability coverage at the state mandated limits to cover vehicle and property damage, injury-related expenses and legal fees for other people involved in an accident you cause.
Policy options beyond the minimum state requirements are available, and can offer more complete protection. It is important to carefully consider your specific circumstances, including your risk tolerance and budget, then work with your insurance representative to create a policy that addresses your needs. Be sure to discuss the following popular coverage options with your agent.
To Cover:
Repair or replacement of your own vehicle
Ask Your Insurance Rep About:
Collision Coverage
Comprehensive Coverage
New Car Replacement
Gap Insurance
To Cover:
Towing and onsite roadside services, such as jump starts and flat tire changes
Ask Your Insurance Rep About:
Roadside Assistance
To Cover:
Rental car while yours is being repaired after an accident or incident
Ask Your Insurance Rep About:
Car Rental Reimbursement
To Cover:
Your own medical expenses after an accident or incident
Ask Your Insurance Rep About:
Personal Injury Protection (PIP)
Medical Payments Coverage
To Cover:
Accident-related expenses if the driver who caused the accident has no insurance or inadequate coverage
Ask Your Insurance Rep About:
Uninsured/Underinsured Motorist Coverage