You personally are responsible for the costs of injuries and damage you do to others. Liability insurance covers that to a point. A homeowner with a family and any assets needs at least $100,000 in bodily injury liability coverage if he or she injures another driver. And you should buy enough property damage liability insurance to replace the car you hit. Most experts say that need is at least $50,000. Liability limits vary by state. Before settling on your coverage and company, you should research car insurance in your state, since different states have different laws that affect you and the amount of coverage required.
If you are injured in an accident that is your fault, your car insurance won't make up for any lost income unless you have work loss or similar coverage.
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