An accident causing major injuries can cause significant out-of-pocket liability if the costs exceed your insurance policy.
However, most people should buy more than the minimum coverage if they can afford to do so. Most states require only liability coverage, which pays the property damage and injury costs of others if you cause an accident. Check Your State Minimumsįirst, research the minimum coverage laws in your state. Use this guide to compare quotes and make sure you get the coverage you need at an affordable rate. When you shop for car insurance, the process can seem overwhelming.
