Does everyone have to have auto insurance?

Answer: Yes, automobile liability insurance, or proof of financial responsibility is required in all fifty states. Although each state sets their own limits on how much insurance is needed, these are only minimum limits and in most cases additional coverage is needed if you don't want to have to pay additional expenses out of pocket. If you have a lease or loan on your car you are usually required by the lender to have comprehensive and collision coverage in addition to the state required liability coverage.

Do I Have Insurance Coverage for a Rental Car after a Car Accident?
Having a car accident can be devastating. Not having an extra car available to drive while your car is being fixed can just add to that feeling. A motor club will not guarantee that you have a rental car so you will want to make sure rental car coverage is provided in your car insurance policy