Is Comprehensive Car Insurance Necessary? 
The only answer I can provide is maybe , and it really depends upon your financial situation . You can drive with Public Liability and Property Damage -LRB- PLPD -RRB- insurance . This covers your liability to another party in the case of an accident . When you get sued for an accident , this is where the huge claims come into play and where most people ca n't for it out of pocket . Comprehensive and collision coverage cover damage to your own vehicle . This type of coverage is not required . Most people only carry PLPD on older cars , where it is cheaper to replace the car then it is to insure it -LRB- e.g. a winter car worth $ 1,200 -RRB- . Now , there are some contractual obligations that might require you to get comprehensive and collision insurance . An example of this is a car lease . The lessor will require full coverage and to be named as a loss payee . This way , in case its collateral is destroyed , it can recoup its financial investment . In summary , make sure you can afford replacing the car if you go with PLPD . 