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Do I need car insurance? What if I can't afford it?
Yes, you need car insurance. Unless you live in New Hampshire, state law requires that you purchase liability insurance for your vehicle or show some other form of financial responsibility.
Even if you are among the 0.5% of Americans that do reside in New Hampshire, you should probably have at least some liability coverage to cover yourself in the event of an accident.
Car accidents are expensive. If you're on the hook for medical expenses, legal fees, and property damage, the grand total can be astronomical. The National Safety Council found that the impact of injuries "amounted to $625.5 billion in 2005" alone.
