{"id":2714,"date":"2023-04-06T13:43:56","date_gmt":"2023-04-06T18:43:56","guid":{"rendered":"https:\/\/going-places.thegeneral.com\/why-do-you-need-car-insurance\/"},"modified":"2025-08-27T10:04:16","modified_gmt":"2025-08-27T15:04:16","slug":"why-do-you-need-car-insurance","status":"publish","type":"post","link":"https:\/\/www.thegeneral.com\/going-places\/blog\/car-insurance\/why-do-you-need-car-insurance\/","title":{"rendered":"Why Do You Need Car Insurance?"},"content":{"rendered":"\n<p><span class=\"TextRun SCXW89599995 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW89599995 BCX0\">Why do we need car insurance to drive in the United States? While you might <\/span><span class=\"NormalTextRun SCXW89599995 BCX0\">b<\/span><span class=\"NormalTextRun SCXW89599995 BCX0\">e tempted to forego <\/span><span class=\"NormalTextRun SCXW89599995 BCX0\">coverage<\/span><span class=\"NormalTextRun SCXW89599995 BCX0\"> to save money, car insurance <\/span><span class=\"NormalTextRun SCXW89599995 BCX0\">protects<\/span><span class=\"NormalTextRun SCXW89599995 BCX0\"> you against financial loss and more in the long term. In addition, it\u2019s illegal to drive without insurance <\/span><span class=\"NormalTextRun SCXW89599995 BCX0\">in almost every state, and <\/span><\/span><a class=\"Hyperlink SCXW89599995 BCX0\" href=\"https:\/\/www.thegeneral.com\/car-insurance\/states\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"FieldRange SCXW89599995 BCX0\"><span class=\"TextRun SCXW89599995 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW89599995 BCX0\">e<\/span><span class=\"NormalTextRun SCXW89599995 BCX0\">ach<\/span><\/span><span class=\"TextRun Underlined SCXW89599995 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW89599995 BCX0\" data-ccp-charstyle=\"Hyperlink\"> state has financial liability laws<\/span><\/span><\/span><\/a><span class=\"TextRun SCXW89599995 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW89599995 BCX0\"> in place to protect drivers in the event of an accident.&nbsp;<\/span><\/span><span class=\"EOP SCXW89599995 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-it-legal-to-drive-without-insurance\">Is It Legal to Drive Without Insurance?<\/h2>\n\n\n\n<p><span class=\"TextRun Highlight SCXW176237040 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW176237040 BCX0\">You\u2019re required to carry car insurance in 48 out of 50 <\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">s<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">tates<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">, apart from <\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">Virginia and <\/span><\/span><a class=\"Hyperlink SCXW176237040 BCX0\" href=\"https:\/\/www.thegeneral.com\/car-insurance\/new-hampshire\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"FieldRange SCXW176237040 BCX0\"><span class=\"TextRun Underlined SCXW176237040 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW176237040 BCX0\" data-ccp-charstyle=\"Hyperlink\">New Hampshire<\/span><\/span><\/span><\/a><span class=\"TextRun SCXW176237040 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW176237040 BCX0\">. While drivers aren\u2019t required by law to carry insurance in <\/span><\/span><span class=\"TextRun Highlight SCXW176237040 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW176237040 BCX0\">New Hampshire<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">, <\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">the stat<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">e<\/span><\/span><span class=\"TextRun SCXW176237040 BCX0\" lang=\"EN-US\" data-contrast=\"none\"> <span class=\"NormalTextRun SCXW176237040 BCX0\">does have a Motor Vehicle Responsibility La<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">w. <\/span><\/span><span class=\"TextRun Highlight SCXW176237040 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun CommentStart CommentHighlightPipeRest CommentHighlightRest SCXW176237040 BCX0\">&nbsp;<\/span><span class=\"NormalTextRun CommentHighlightPipeRest SCXW176237040 BCX0\">The s<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">tate requires drivers with major traffic <\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">violations<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">, such as DUIs and accidents, to <\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">acquire insurance before<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\"> driv<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">ing<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\"> again. Uninsured motorists in Virginia are required to pay a fee<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\"> of $500 per year<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\"> or to provide proof of financial responsibility<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">, so m<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">ost <\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">Virginians<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\"> opt for <\/span><span class=\"NormalTextRun SCXW176237040 BCX0\">some level of<\/span><span class=\"NormalTextRun SCXW176237040 BCX0\"> coverage instead<\/span><\/span><span class=\"TextRun SCXW176237040 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW176237040 BCX0\">. <\/span><\/span><span class=\"EOP SCXW176237040 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-type-of-insurance-is-required\">What Type of Insurance Is Required?<\/h2>\n\n\n\n<p><span class=\"EOP SCXW68415424 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\"><span class=\"TextRun Highlight SCXW257244777 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW257244777 BCX0\">Every state has minimum <\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">liability limits\u2014<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">the amount your insurance will pay in the event of a loss<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">\u2014<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">drivers need to m<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">e<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">et <\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">to<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\"> be considered legally insured. Insurance requirements vary by state, but most states require<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\"> bodily injury and property damage <\/span><\/span><a class=\"Hyperlink SCXW257244777 BCX0\" href=\"https:\/\/www.thegeneral.com\/blog\/what-is-liability-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Highlight Underlined SCXW257244777 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW257244777 BCX0\" data-ccp-charstyle=\"Hyperlink\">liability insurance<\/span><\/span><\/a><span class=\"TextRun Highlight SCXW257244777 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW257244777 BCX0\">. <\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">Many<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\"> states also require <\/span><\/span><a class=\"Hyperlink SCXW257244777 BCX0\" href=\"https:\/\/www.thegeneral.com\/blog\/uninsured-motorist-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Highlight Underlined SCXW257244777 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW257244777 BCX0\" data-ccp-charstyle=\"Hyperlink\">uninsured\/underinsured motorist insurance<\/span><\/span><\/a><span class=\"TextRun Highlight SCXW257244777 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW257244777 BCX0\">, and some require personal injury protection insurance. Here<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">\u2019s<\/span><span class=\"NormalTextRun SCXW257244777 BCX0\"> what each of those terms <\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">usually <\/span><span class=\"NormalTextRun SCXW257244777 BCX0\">means: <\/span><\/span><span class=\"EOP SCXW257244777 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span> <\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b><span data-contrast=\"none\">Bodily injury liability insurance<\/span><\/b><span data-contrast=\"none\"> pays for the opposite party\u2019s medical bills if you get into an accident. In some states, the other driver in the accident can sue you for damages, so it\u2019s important to have enough liability insurance to protect yourself.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b><span data-contrast=\"none\">Property damage liability insurance<\/span><\/b><span data-contrast=\"none\"> covers any damage you inflict on someone else\u2019s property while driving. This includes damage to cars, fences, lampposts, signage, and anything else you can collide with.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Personal injury protection insurance<\/span><\/b><span data-contrast=\"none\"> covers the cost of treating the driver and passengers if they get into an accident and need to go to the hospital.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><b><span data-contrast=\"none\">Uninsured\/Underinsured motorist protection<\/span><\/b><span data-contrast=\"none\"> covers you if you get into an accident with a driver with insufficient insurance coverage.\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-i-purchase-more-coverage\">Should I Purchase More Coverage?<\/h2>\n\n\n\n<p><span class=\"TextRun Highlight SCXW218686004 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW218686004 BCX0\">State liability limits are usually lower than the amount you\u2019d need to protect your assets if you got into an accident. If you own over $100,000 in assets, you might want to consider purchasing additional coverage for protection. Experts generally recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident. In addition, if you have a financed car, your<\/span> <span class=\"NormalTextRun CommentStart SCXW218686004 BCX0\">financing institution might require <\/span><\/span><a class=\"Hyperlink SCXW218686004 BCX0\" href=\"https:\/\/www.thegeneral.com\/blog\/what-is-comprehensive-car-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"NormalTextRun CommentStart SCXW218686004 BCX0\"><span class=\"NormalTextRun SCXW218686004 BCX0\" data-ccp-charstyle=\"Hyperlink\">additional coverage<\/span><\/span><\/a><span class=\"TextRun Highlight SCXW218686004 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun CommentStart SCXW218686004 BCX0\">, such as comprehensive and collision, on the vehicle to protect the car.<\/span>\u00a0<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-car-insurance-protects-you-against-loss\">How Car Insurance Protects You Against Loss<\/h2>\n\n\n\n<p><span class=\"TextRun Highlight SCXW150766678 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW150766678 BCX0\">Car insurance is designed to protect your assets, as getting into an accident without insurance can be expensive and even affect your financial future. <\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">The average hospital bill for a driver being treated after a car crash is $61,000, and 1 in 8 liability claims<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\"> cost<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\"> over <\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">$<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">1 <\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">million<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">. <\/span><\/span><span class=\"TextRun Highlight SCXW150766678 BCX0\" lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW150766678 BCX0\">If you get into an accident<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\"> without sufficient insurance<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">, the other <\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">party involved<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\"> c<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">ould<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\"> take legal action to recover <\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">their losses.<\/span> <span class=\"NormalTextRun SCXW150766678 BCX0\">Insurance is also designed to protect you from <\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">paying<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\"> large out-of-pocket expenses <\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">if you<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\"> get into an accident and <\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">need repairs o<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">r<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\"> medical <\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">attention<\/span><span class=\"NormalTextRun SCXW150766678 BCX0\">.<\/span><\/span><span class=\"EOP SCXW150766678 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-additional-forms-of-car-insurance\">Additional Forms of Car Insurance<\/h2>\n\n\n\n<p><span data-contrast=\"none\">Full coverage car insurance typically includes comprehensive and <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/what-is-collision-insurance\/\"><span data-contrast=\"none\">collision coverage<\/span><\/a><span data-contrast=\"none\"> and personal injury protection\u2014unless it\u2019s mandated by your state.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-contrast=\"none\">Comprehensive insurance protects drivers against damage that isn\u2019t caused by a collision. This can include <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/driving-in-rain\/\"><span data-contrast=\"none\">inclement weather<\/span><\/a><span data-contrast=\"none\">, vandalism, falling objects, fire, animals, and theft.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n\n\n\n<li><span data-contrast=\"none\">Collision insurance protects you against loss if your car crashes into another car or object. For example, if you hit a car in a parking lot, collision coverage will pay for any repairs.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n\n\n\n<p><span data-contrast=\"none\">If you decide to purchase insurance, you\u2019re going to need quality coverage at an affordable price. The General has a range of different policies for every driver, regardless of driving record <\/span><span data-contrast=\"none\">or insurance lapses.<\/span><span data-contrast=\"none\"> You can get a <\/span><a href=\"https:\/\/www.thegeneral.com\/quote\/\"><span data-contrast=\"none\">free insurance quote<\/span><\/a><span data-contrast=\"none\"> in under two minutes or visit our <\/span><a href=\"https:\/\/www.thegeneral.com\/blog\/\"><span data-contrast=\"none\">blog<\/span><\/a><span data-contrast=\"none\"> to read more about insurance.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn why you need car insurance with The General. We explain the purpose of car insurance and how it protects drivers against financial loss and more.<\/p>\n","protected":false},"author":7,"featured_media":2715,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-2714","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why Do You Need Car Insurance? | The General<\/title>\n<meta name=\"description\" content=\"Learn why you need car insurance with The General. 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