All states require drivers to carry minimum liability insurance. If you cause injuries or damages to another driver and fail to have proper insurance, this may result in you paying significant fines or paying out of pocket. Even if your insurance doesn’t cover damages to your vehicle in an accident, the law requires that you carry insurance if you cause an accident and it results in another motorist’s injuries. If a driver hits your car but does not carry adequate insurance to cover your damages, you may collect compensation through your own insurance. To recover compensation for damages in a car accident case, you must take the proper legal steps to prove that another driver’s negligence was directly responsible for the injuries or damages you incurred.