If you drive a car, even if you don’t own your own car, you need to have auto insurance. An auto policy can protect you against damage caused by an accident and, depending on the type of policy, from weather and other sources.
Car insurance involves coverage both for property and liability. All auto policies provide liability coverage that will pay for damage and injuries you cause in an accident that’s your fault, and many policies provide additional coverage for damage or injuries caused to you and your passengers.
Anyone who owns a car needs to insure it, but people who don’t own cars but drive either regularly or occasionally also should carry a policy. Though the car owner’s insurance may cover other drivers, it’s a good idea to carry your own coverage as a driver.
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