Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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UPDATED: Oct 15, 2021

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Here's what you need to know...

  • The Other Driver’s Injuries
  • The repair or replacement of the other driver’s car
  • Property damage
  • Injuries suffered by passengers
  • An insurance comparison tool can help you find the appropriate level of car insurance for your needs

At a minimum, your car insurance should cover the other driver in the event you cause a car accident. Car insurance helps protect you against having to pay for the other driver’s accident related expenses out of your own pocket or getting sued by the other driver. However, depending on your type of insurance policy, you may still be responsible for your own car repairs and medical expenses. If you are worried that your level of car insurance is not enough, you can use a comparison tool to find and compare new policies. Start comparing car insurance rates now by using our FREE tool above!

State Minimum Requirements

All 50 states require a minimum amount of car insurance before you can legally drive. The exact amount coverages vary, depending on the state in which you live. For example, Ohio requires that every driver maintain an insurance policy that covers $25,000 for bodily injury for one person, $50,000 for all individuals injured and $25,000 for property destruction. In California, drivers must carry $15,000 for one injured person, $30,000 for all injured individuals and $5,000 in property damage.

It is important to note that state minimum insurance policies are the minimum amount of coverage required by law.

These policies may not provide enough coverage to pay for all of the other driver’s expenses, which could still leave you open to being sued. Minimum car insurance policies also do not cover your expenses if you are deemed to be the at-fault driver.

  • Minimum car insurance policy amounts vary by state
  • Minimum auto insurance policies do not cover your expenses
  • You could still be sued if the other driver’s expenses are greater than your policy amounts
  • A comparison tool can help you find better auto insurance coverage

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Liability Auto Insurance

Liability auto insurance protects you in the event that you cause a car accident. Car accidents cause damage to vehicles and injuries to the occupants of those vehicles. Liability insurance is designed to pay for those expenses so that you do not have to pay them out of your own pocket. Your liability insurance only covers the other driver if you are determined to be the driver that caused the accident. If you are determined to not be the at-fault driver, the other driver’s liability insurance would cover your accident-related expenses.

Bodily Injury

Your Bodily Injury (BIL) insurance coverage is the dollar amount that your insurance coverage will pay for someone else’s accident-related medical expenses. These amounts are denoted in numbers. For example, a BIL policy may state that it covers 50/100. The 50 stands for $50,000, and it is the amount that would be paid for a single person’s injuries. The 100 stands for $100,000, which is the maximum amount that would be paid for everyone’s injuries in the other vehicle.

Property Damage

The property damage provision in your liability auto insurance policy covers the damage to the other driver’s vehicle. This section allocates a specific maximum amount that your insurance company will pay to repair or replace the other driver’s vehicle if you caused the accident. It does not repair or replace your vehicle.

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Do you need car insurance for repairs, vehicle replacement, and accident related medical expenses?

Depending on your financial circumstances, you may want to consider purchasing a car insurance policy that includes provisions for the repair or replacement of your vehicle and your medical expenses if you are in a car accident that was determine to be your fault. These types of policies are often referred to as full coverage car insurance.

Many states, like Nevada and Tennessee provide consumers with auto insurance guides to help them understand the ins and outs of full coverage and liability auto insurance policies.

To determine if you need full coverage auto insurance, you should look at your personal finances.

Do you have enough money to replace your car? Can you afford a large repair bill? For many car owners, the answer to this question is no. A car insurance policy that protects your car and pays for your medical expenses includes collision, comprehensive and personal injury protection. If you do not have these sections in your policy, you can use a comparison tool to quickly find a full coverage auto insurance policy that protects you in the event that you cause a car accident.

  • Full coverage car insurance protects you if you caused the accident
  • Full coverage policies include comprehensive, collision and personal injury protection sections
  • A comparison tool can help you find a full coverage auto insurance policy


Collision insurance pays for the repair or replacement of your vehicle if you are in an accident or hit an object, and it is determined that you caused the accident.


Comprehensive car insurance is designed to protect you against damage to your vehicle that was not the result of a car accident. In many instances, the damage to your car occurred while your car was parked. Typical items that are covered by comprehensive insurance include the theft of your car, fire and weather damage.

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Personal Injury Protection

Personal injury protection pays for your medical expenses. If you sustain any injuries during the accident and need to visit the ER or see your family doctor, your personal injury protection will pay for your medical care and any follow-up visits.

Uninsured and Underinsured

Uninsured and underinsured protection helps pay for your expenses if the driver that caused the accident does not have enough insurance to pay for all your accident-related expenses.

Your personal and financial situation will determine what type of car insurance you need. If you can afford to repair or replace your car in the event of an accident, you may only want to carry liability insurance. If you cannot afford to pay for all of your accident-related expenses out of your own pocket, you may want to consider a full coverage insurance policy. To find an insurance policy you can afford that meets your needs, you can use a comparison tool to quickly view multiple insurance policies from several insurance carriers and purchase a new policy. Enter your zip code in our FREE tool below to get started in comparing car insurance rates now!