Car insurance levels of cover

However, the level of car insurance you buy is up to you and not determined by law; there are three different types of car insurance, and these policies vary depending on the policy and insurer. Find out more about different levels of car insurance, what they cover and how you can ensure you've got the right car insurance for your needs.

It covers you, your car and any others involved in an accident. It includes all the cover of a third party fire and theft policy, but also protects you as a driver and might pay out for damage to your car. It might also include compensation for medical treatment, legal expenses and accidental damage.

Each state has a basic car insurance requirement. States mandate the minimum amount of liability insurance drivers must have, and insurance companies in turn must offer what is required. For example, in Virginia, the minimum liability coverage you must have is $25,000/$50,000/$20,000. This translates to: