{"id":2240,"date":"2025-12-08T10:49:14","date_gmt":"2025-12-08T10:49:14","guid":{"rendered":"https:\/\/www.way.com\/ask\/?p=2240"},"modified":"2026-04-21T03:38:55","modified_gmt":"2026-04-21T03:38:55","slug":"do-you-need-car-insurance","status":"publish","type":"post","link":"https:\/\/www.way.com\/ask\/do-you-need-car-insurance\/","title":{"rendered":"Do you need car insurance?"},"content":{"rendered":"

Car insurance is mandated by state law for those who own a car or drive others\u2019 cars regularly. Therefore, anyone who has a valid license and drives needs to possess car insurance with minimum coverage. Even if you don\u2019t own a car, it is best to secure non-owner’s insurance. \u00a0<\/span>\u00a0<\/span><\/p>\n

Car\u00a0insurance you need based on ownership\u00a0<\/span>\u00a0<\/span><\/h2>\n

Based on the nature of ownership, the car insurance types vary. Here are some of the important auto insurance terms you need to know.\u00a0<\/span>\u00a0<\/span><\/p>\n

Liability\u00a0insurance\u00a0<\/span>\u00a0<\/span><\/h3>\n

This is\u00a0mandatory\u00a0insurance in most states in the US. It is illegal to drive a car without\u00a0state-wide\u00a0insurance. The policy is meant to cover\u00a0compensation\u00a0for property damage and bodily injury to the third party\u00a0in the event of\u00a0an at-fault accident.\u00a0<\/span>\u00a0<\/span><\/p>\n

Comprehensive coverage<\/span>\u00a0<\/span><\/h3>\n

This is optional coverage, based on your needs. The policy is meant to cover the financial loss due to both own damage and damage to a third party. There is no mandatory minimum coverage for the own damage part. As the term suggests, own damage solely covers the financial loss due to the repairs and replacement of damage to your car.\u00a0 <\/span>\u00a0<\/span><\/p>\n

Non-owner’s insurance<\/span>\u00a0<\/span><\/h3>\n

You need non-owner\u00a0insurance when you\u00a0don\u2019t\u00a0own a car and still drive a borrowed or rented car regularly. The insurance is typically liability coverage and kicks in only when the liability exceeds the owner\u2019s coverage limits.\u00a0<\/span>\u00a0<\/span><\/p>\n

Commercial\u00a0insurance\u00a0<\/span>\u00a0<\/span><\/h3>\n

If you own a car or vehicle that is part of your business and generates revenue, then you need commercial insurance.<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Car insurance is mandated by state law for those who own a car or drive others\u2019 cars regularly. Therefore, anyone who has a valid license and drives needs to possess car insurance with minimum coverage. Even if you don\u2019t own a car, it is best to secure non-owner’s insurance. \u00a0\u00a0 Car\u00a0insurance you need based on… Continue reading Do you need car insurance?<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2240","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","entry"],"acf":[],"yoast_head":"\nDo you need car insurance?<\/title>\n<meta name=\"description\" content=\"Driving car without proper insurance is illegal in most of the states. 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