There are different kinds of insurances out there that allow for people to drive. There is an insurance plan that covers the driver specifically, which in turn covers the car that the individual is driving. Then there are multiple types of auto car insurance that covers the different aspects that could occur in case of an accident such as collision, comprehensive, uninsured motorist, liability and others. These are to protect you from paying out thousands of dollars should an accident occur and in some instances it could get you a new car (such as if your car gets totaled at the hands of another driver). The insurance companies will help you understand all of the coverage types and what the benefit of having each one can do for you should there be an accident. It is recommended to get full coverage, but it can be costly, so be sure to cover at least some of your bases with the insurance you decide to get.