Well there are lots of different ways in which it can protect you and there are actually at least two policies that matter So if you're injured as a result of someone else crashing their car into you, their policy matters because you look at the liability insurance – how much insurance did they buy to protect other people that they harm? That's the first kind of insurance

The second type of insurance is what kind you bought So did you buy PIP insurance which pays your medical bills? And did you buy UIM insurance which pays in the event the person who hit you had no insurance or didn't have enough? It's underinsured motorist or uninsured motorist and personal injury protection So really it's sort of a long answer to a short question but it matters how you protect yourself as well as how others protect you –