There are three types of liability coverage that the stale law will be requiring you to purchase even a minimum amount. Bodily injury liability will protect your asses it you are held responsible for an auto accident in which other people are hurt or killed. While Property damage liability will cover repairing or replacing the auto or vehicle and other properties of other people. And Uninsured or underinsured motorist coverage will insure you against losses caused by other drivers with little or no auto insurance, unless of course you live in a “no fault” state where your own insurance covers your losses.