Anyone who has been in a car wreck understands the importance of having automobile insurance. All states mandate purchasing at least basic liability coverage. Liability covers you from having to pay for damages or injuries you cause to others in a collision. Insurance companies offer several other types of car insurance with varying levels of coverage. Medical expenses for anyone in your vehicle can be taken care of with insurance that covers medical payments. There is also uninsured motorist coverage that covers you from drivers with little to no insurance. Knowing all your insurance options and selecting the appropriate plan can save you money and help protect you and your family in case of an accident.