Drivers are required to provide minimum levels of coverage to auto insurance in almost all jurisdictions. Yet the insurer will sell you other forms of car insurance beyond the limit. What examples are right for you, what are they covering?
For things like if your car is broken into or robbed, or if you are involved in a collision, car insurance will protect you.
At the very least, if you are blamed for an incident, it will include other persons and their cars (third parties). If you’re destroying their vehicle, for example, or they’re wounded.
This depends on the type of coverage you choose for just what you are compensated for. Don’t just choose the cheapest option–compare and pick a package with the right level of cover for you.