The state requires all drivers to have at least the minimum liability coverage for their vehicles. Those minimum requirements are:
- $15,000 per person for bodily injury liability coverage
- $30,000 total per accident for bodily injury liability coverage
- $25,000 for property damage liability coverage
But in a serious car accident, the injuries and other damages sustained can be hundreds of thousands of dollars or even more. That’s why it’s a good idea to buy car insurance that has higher liability limits.
There are also other types of coverage available that you may want to add to your policy. These include:
- Collision coverage: Covers damage to your vehicle from a collision with another vehicle or object.
- Comprehensive coverage: Covers damage to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured motorist coverage: This can protect you in the event of an accident caused by a driver who doesn't have enough insurance to cover the damages.
- Medical payments coverage: This covers medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.