Typically, you need to have car insurance if you have a vehicle at state law, although a lot of people don't, so in that situation you have to make sure your insurance policy protects yourself as opposed to protecting other people So on your insurance policy there's multiple parts of it, one of the first parts is liability insurance, and that insurance is what you have to have by state law

The minimum limits are $25,000 and that insurance protects somebody you hit, if you're in a car accident and it's your fault Now keep going and you have what's called uninsured or underinsured motorist coverage, which a lot of people don't know, and it is the most important part of the insurance policy, it protects you, so why would you buy insurance to protect somebody else if you're not also going to protect yourself? Uninsured and underinsured motorist coverage comes into play, if you're hit by someone who doesn't have insurance or they don't have enough insurance and your injuries exceed the limitations, and that comes into play, and it helps you, and it's beneficial to you, and every person needs to have uninsured and underinsured motorist coverage To speak to somebody about your injury call 1-888-we-fight