Although car insurance is a legal requirement in most states, it offers benefits that go beyond legally keeping you on the road. First and foremost, an auto policy could help lessen the financial burden of an accident for both you and the other driver(s) if others are involved in an accident. If your car needs repairs or replacing, insurance covers the brunt of the cost. Car insurance goes beyond just covering accidents. There are other things that can happen to your car — vandalism, a tree falling on it, rocks damaging the windshield, etc. Comprehensive coverage offers protection for those events so you don’t have to pay as much out of pocket to get your vehicle fixed.