The law further states you must keep proof of insurance with you at all times and show it to law enforcement officers if they ask for it. Coverages Liability and Uninsured Motorist coverages enable you to comply with the financial responsibility law explained in the previous paragraph. Uninsured Motorist coverage protects you if you're in an accident with an uninsured driver. Other coverages that are not required by law are also available. Collision coverage pays to fix your car if you're in an accident, regardless of fault.
Comprehensive coverage pays for theft, fire, hail damage, etc.
Collision and Comprehensive coverages may be required by a lender if you have a car loan. Underinsured Motorist coverage protects you if you're in an accident with an at-fault driver who doesn't have enough insurance. Personal Injury Protection provides minimal medical coverage for you and others in your car regardless of fault. There are Other coverages for things like towing and car rental. Every state has a way to help high risk drivers obtain insurance.