Some states require you carry personal injury protection. If that is the case, and you are injured, you will need to go through your insurance company initially for your medical coverage. Beyond that, you may need to seek legal advice to help you with your injuries. Some states require you carry property damage liability to help repair the property you damage and you are liable to fix. If the other party does not have this coverage, you can use your 'collision' coverage to fix your vehicle - if you had that coverage at the time of the accident. 'Collision' covers damage to your car when your car hits another vehicle or other object. It pays to fix your vehicle less the deductible you choose. If you did not have this coverage at the time of the accident, you may need to seek legal help. As for why some states do not require insurance, I am not sure. Since, it would be wrong for me to speculate outwardly as to why insurance is not required in some states, your best option is to call a lawmaker from those states.

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