> If that's the case, then why did Bill have insurance at all? Bill probably had insurance in order to legally drive since states require you to have car insur

> If that's the case, then why did Bill have insurance at all? Bill probably had insurance in order to legally drive since states require you to have car insurance. The minimum coverage varies by state but can be around $20,000: https://www.nerdwallet.com/blog/insurance/car-insurance/ https://www.nerdwallet.com/blog/insurance/car-insurance/