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You should have liability coverage with sufficient limits to cover a typical accident claim and protect you against claims that could attach to your other assets. Depending on the laws of your state, you may be required to maintain personal injury coverage. The choice whether to maintain "comprehensive" insurance, which would pay to repair or replace your vehicle if you are the one who causes an accident, is really an economic one. Look at the cost of the premium versus the value of the vehicle, and determine whether you could easily purchase a new vehicle if yours were destroyed and no insurance was available. If another driver is At Fault, their insurance would likely cover your car's replacement. But if damage is your fault, you would be out of luck.

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Q: What type of insurance should i get for a 16 yr old car?
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