Mandatory coverages you should have are basic coverage, medical benefits coverage, bodily injury liability coverage, and property damage liability coverage. These policies provide between $5,000 and $30,000 in coverage, depending on the nature of your accident and the kinds of losses sustained therein. You can also opt to carry uninsured/underinsured motorist coverage, funeral benefits coverage, income loss coverage, collision coverage, and comprehensive coverage. Each policy will have specific limits and requirements, and your attorney can help you understand which policy will apply and when they will kick in for losses and damages of different types.