Accident Insurance Accidents happen all the time, and it’s beneficial to have insurance for when an unfortunate incident occurs. Accident insurance coverage helps pay for expenses that could cause financial strain. Your state probably requires some form of accident insurance, so it’s in your best interest to comply. Legalities If your state requires coverage, then you must have coverage to legally drive your vehicle. The least you can have is the liability. That’s good though because it’s usually the most inexpensive. Just make sure to purchase your policy from a legitimate insurance provider recognized by your state. Liability The aftermath of an auto accident can be expensive. In addition to repairing or replacing a vehicle, many people are left with medical bills, time off from work, medication, physical therapy, and pain. Liability coverage will help pay some of these expenses. If you are at fault for the accident, then this coverage will help pay for the damages caused to others. Expand Coverage As long as you have coverage required by your state, then you’re in compliance with the law. That means you actually don’t have to purchase more coverage. You can keep it basic. However, you may want to consider adding additional coverage to expand protection. Comprehensive policies cover several things, including theft and vandalism.