Why Should Car Insurance Be Mandatory? 
States that require proof of auto insurance in order to register and operate vehicles on public access roads and highways mandate only that liability , uninsured/under insured motorist and in some cases , primary medical payments coverage be in force . States also set a minimum amount of these coverage . A lender or leasing company will require further that physical damage Comprehensive and Collision coverage be included in order to protect their interest in the car . The choice of deductible is yours usually up to a $ 500 maximum . Anything over and above these two elements is strictly up to you . 