In this day in time there are more and more drivers on the road. You’re a driver, so you know how crazy it gets on the road. Between distractions, like text messaging, eating, talking on the phone, and people hurrying to get somewhere on time, there are many accidents waiting to happen.

Cars, trucks, and vans get damage both big and small. Sometimes people get minor injuries, major injuries, or even killed. Some accidents happen when you are not even driving such as, you’re just parked in your driveway, a tree limb falls and goes through your windshield, or someone steals your vehicle.

The right auto insurance can help protect you against large and small expenses caused by, personal injuries and property damage that can occur from auto accidents, theft, vandalism, or natural disasters. All states have requirements for automobile drivers to have some type of coverage, but at times it is not enough to cover all the expenses incurred.

The state-mandated legal coverage you are required to have is called liability insurance. This type of insurance only covers the person’s vehicle you caused damage to and their personal injuries up to the limited coverage. If the liability coverage you have is not enough to cover the damages and expenses to the person you had the accident with, they have the option to sue you personally for the remaining costs.