Is Auto Insurance Required By Law? 
In most states , you are required by law to carry auto insurance if you own and drive a car . The mandatory coverages are usually bodily injury and property damage liability as well as personal injury coverage . This is to be sure that , if you get into an accident , there is money to pay for any damage to persons or property as well as any injuries sustained in the accident . Coverage for damage to your car is normally an optional coverage although it may be required by a finance company or leasing company . A good agent can help you chose the right coverage for your particular situation . Find an agent you can trust and follow their advice . You 'll be glad you did . 