There are several types of auto insurance available. Most states need at least some minimum coverage to be legally licensed to drive. Liability coverage is mandatory in most states, but collision and comprehensive coverage may not be required by law for all drivers. However, collision and comprehensive coverage are usually recommended because they protect you against accidents involving damage to your vehicle as well as bodily injury liability claims filed against you following an accident where another party was injured or killed due to negligence on your part or that of another driver involved in the accident.