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Everyone has to have car insurance. There are some exceptions, but for the most part, if you get caught driving without it, you can be in a lot of trouble. Most states, like the one I live in, Oregon, requires that you have insurance on your vehicle at all times you can’t even register your vehicle without car insurance.

It is a requirement that if you purchase a new car or truck or anything you drive that you make payments on you have to have full coverage insurance on it. On the other hand if you own your car or truck that you don’t have to put full coverage on it, you can choose liability only if you want. This is very inexpensive, but not always the best idea.

Liability insurance should be included in any auto coverage you buy. This is used when you are responsible for an accident or any damage to car or even life.

This is the bare minimum that you can get when you buy. Without this, you would have to pay for all types of damage right out of your own pocket. If you have the liability insurance, your insurance company has to pay, though you may have a deductible that you must pay on your own. It is truly dependent on your policy coverage in your insurance company.

If you opt to purchase liability insurance solely, you will not be able to recover any money if someone else causes damage to your car or truck. They should, by rights, have liability insurance as well, and that money will come from their insurance company. Nonetheless, you never know what is going on with anyone on the road, and some do drive without insurance. If that individual were to be involved in an accident with you, you may be out of luck.

You can sue them, of course, but if they don’t have sufficient money to buy the insurance for liability, they in all likelihood will never pay any assessment against them.

If you can afford it, it is always the best option to have full coverage insurance on your vehicle but sometimes this option is just way too expensive. Those just starting in life may only have this bare minimum coverage, but chances are they also have a car that is not worth very much. As they get older though, and become more able to afford more expensive cars, it is a really good idea to have more than just your standard liability insurance. As with home and life insurance, it is always good to keep in mind the unknown and to realize you never know what will happen.

Get as much insurance as you can, and you will be glad that you did.