11th Nov 2009 by Tom Lindmark
The simple answer to your question is yes. In the U.S. states regulate the insurance companies and they also individually set requirements for auto insurance. All of them require that you carry a certain amount of insurance that will adequately cover damage that you may do to another vehicle or to an individual. Most do not require that you maintain insurance against damage to your own vehicle though it's a very good idea to do so unless your car is worth little. Failure to maintain insurance is generally a misdemeanor offense, however, should you damage another vehicle and not have insurance you can be sued for the damage and held personally liable.
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