If you get in an accident and youre uninsured, you face getting sued, losing your lifes savings and getting jail time.

You must carry the minimum car insurance coverage limits required by law, which varies by state. After you have met the minimum legal requirements, you can choose to increase your coverage limits for greater reimbursement potential. For additional protection, you can also choose to add additional car insurance coverage, such as comp and collision,

Yes, there are different insurance coverage types and they are as follows Bodily Liability, Property Damage Liability, Comprehensive, Collision and Uninsured & Underinsured.