Like many people, when you shop for an auto insurance policy, you may be looking to buy only what your state's minimum requirements are, but this is a mistake. There are several reasons why you need to have additional insurance coverage beyond what your state government mandates. The following are three of these reasons.
Your car is damaged when you are not around
Minimum coverage exists to protect others in case you have caused an accident, but if the accident is your fault this type of coverage will not pay for damage to your car. Of course, you may think that this is fine because all you need to do is drive carefully. But this ignores the possibility of damage to