What Insurance Coverage Do I Need For My Car? 
You need coverage that will pay the maximum amount possible when you are in an accident . If the blue book value of a car is low it may be unnecessary to insure it for physical damages -LRB- comprehensive and collision . -RRB- Otherwise you want a policy that will pay as much as possible for the bodily injury and property damage that occurs should you be responsible for an accident . The other important item is selection of the agent with whom you work . The company and the agent are the ones who will stand by you when you have an accident . 