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Why you need auto insurance

Think you can get away without auto insurance?  Think again.  Car insurance is mandatory in most states. If you drive without it, you're breaking the law and could lose your driver's license.

Driving without insurance also can be hazardous to your pocketbook. States generally require drivers to carry at least minimum levels of liability coverage. Many people purchase such minimum levels of coverage so they can cut their premium costs. However, relatively low levels of coverage may not be enough to protect you if you severely injure a driver or passenger and are sued for hundreds of thousands or even millions of dollars.

Carrying high levels of liability insurance – including the extra protection provided by an umbrella insurance policy – is likely to protect you in case of a lawsuit. Without the insurance, however, you could be wiped out financially.

Remember, car insurance is broken up into different types of coverage. While most states require you to carry liability insurance, coverages such as collision (which pays for damage to your car caused by an impact with another vehicle or object) and comprehensive (which pays for damage caused by hazards other than collision) are optional. So, if your car is totaled and you don't have collision insurance, don't expect to see one thin dime from your insurance company.

Read more about why you need insurance and the consequences of driving without it.