Having insurance is the simplest way for most people to comply. Coverage for vehicle damage usually is necessary to finance a car. What it Covers Coverages are broken down, according to purpose, but are generally combined into one policy. Pays damages due to bodily injury and property damage to others you are responsible for. Bodily injury damages include medical expenses, pain and suffering, and lost wages.
Property damage includes damaged property and loss of use of property.
If you are sued, it also pays your defense and court costs. State laws usually determine minimum amounts, but higher amounts are available. Personal injury protection. Pays you or your passengers regardless of fault for medical treatment due to a car accident. Minimum amounts are usually set by state law.