Car insurance is crucial if you have a vehicle that you drive, no matter how often. In fact, it is illegal to drive a car if you do not have an insurance policy and you can be fined for its absence, as well as will have to pay any other expenses if you get into an accident. Car insurance is intended to provide you with some protection from financial loss due to a wide number of reasons. In general there are several types of car insurance coverage available. Liability for property damage is a kind of coverage that will help you pay for almost any kind of structure your car comes into contact with when being driven by you or someone else – including fences, other cars, homes etc. Liability for personal injury is a coverage that covers the damages caused to some other person by the vehicle operated by you or another person with your permission. It's especially important to get enough of this coverage as medical expenses can be significant and you definitely want to avoid selling your car to cover them yourself. Collision coverage is intended for protection of your vehicle from any damage done during an accident when your car comes into contact with another car and you will be either reimbursed for your vehicle (with deductible subtracted) or pay for repairing the vehicle. There is also comprehensive coverage that will provide protection against theft or any other damages other than collision, such as acts of god, hail, vandalism and fire. PIP (personal injury protection) coverage will help you pay for medical treatment when you get injured in an accident while driving your own vehicle or being a passenger in your vehicle. And again, if you would like a wider coverage you may need to ask for such options as lost wages and rehabilitations costs etc. Another type of coverage is uninsured coverage – when a driver with no insurance causes an accident with your participation and this way your damages can be paid for, as in some cases these people are unable to pay the damages. It's important that you talk to your agent about these types of coverage, as each one of them may have separate fees and different deductibles. You should never be too in a hurry to purchase a car insurance, and saving on it is probably not the best idea – as in case of an accident you are the one who will be covering all the costs, which in some cases may mean thousands of dollars.