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.
In 1974, South Carolina passed a law requiring all drivers to buy auto insurance and companies to sell insurance to those drivers. The Reinsurance Facility was created by the same law to provide coverage to drivers considered to be high risk. Since premiums paid to the Reinsurance Facility were not enough to cover the accidents caused by the people insured by the facility, the difference was made up by all drivers in the form of an extra charge called recoupment. The recoupment fee is required by South Carolina law, but will gradually be phased out, as noted below. It will provide insurance to drivers who find it hard to get coverage in the private market.