Protecting yourself and the damage to your vehicle is important. Just as important is the need for liability insurance; your damage or injury to others caused by you or others because of operating your vehicle. Policy features may include medical payment reimbursement and reimbursement for injury to you caused by an uninsured or underinsured driver of another vehicle. There are numerous special situations where you need to customize your policy such as to include installation of special equipment, business use of your auto, teenage drivers or policies that offer “stated amount” coverage