State law requires drivers to be able to pay for the accidents they cause. Most people meet this requirement by buying automobile "liability" insurance. Liability insurance pays to treat people injured in an accident that you cause. It also pays to repair
or replace the other driver´s damaged property.
Minimum coverage might not be enough to cover your financial obligations if you cause a serious accident. It is a good idea to consider raising your coverage limits. However, raising your coverage limits will increase your policy premium.