How Much Auto Insurance Is Enough? 
That is a question that should be discussed with your Insurance Professional so that coverage can be customized to meet your specific needs . In general , however , Physical Damage coverage , which includes both Comprehensive and Collision should be in place for a newer car . If your company offers optional coverage extensionse such as the guaranteed use of original market parts , new car replacement or GAP protection for leased cars , these might be worth considering . Liability protection is the next element . This is coverage that protects you and your financial assets in the event that you are held legally responsible for damage to someone else 's property or bodily injury . Most states require a meinmum amount of liability coverage , but it is important to consider what your financial exposure actually is and then decide onteh amount of protection that is right for you . 