 TITLE: Do You Have to Pay Auto Insurance When You’re Not Driving? CONTENT: What Car Insurance Coverage Is Required?\n----------------------------------------\nThere are several different types of auto insurance coverage. Here are the primary ones:\n*   **Liability coverage** covers the cost of bodily injury and property damage caused by your driving.\n*   **Collision coverage** covers damage to vehicles if you're involved in an accident.\n*   **Comprehensive coverage** protects you if your vehicle is stolen or is damaged by natural events, fire or vandalism.\n*   **Uninsured\/underinsured motorist coverage** can help pay for damages and medical costs if a driver who's uninsured or underinsured causes an accident you're involved in.\n*   **Medical payments\/personal injury protection coverage**: Medical payments coverage helps pay medical costs if someone in your vehicle is injured in an accident. Some states have personal injury protection (PIP) coverage instead. PIP covers not only medical costs, but also other expenses related to injury, such as lost wages.\nMost states require you to have a certain minimum level of insurance to protect other drivers. This typically includes liability coverage, but may also include medical payments or PIP coverage. The states that don't require insurance mandate some other proof of financial responsibility.\nStates aren't the only entities compelling you to have car insurance. If your vehicle is leased or financed, the lender typically will require a certain amount of collision or comprehensive coverage. This ensures that even if the vehicle is damaged, totaled or stolen, they still recoup the balance of the outstanding loan or lease.\nCoverage that is mandated by your state or lender isn't optional. Even if you aren't driving the car, you'll still need to maintain the minimum levels of insurance they require, or you'll be breaking the law. END