WHAT EVERY DRIVER SHOULD KNOW. There are many things that you need to know before you buy your a car. Do I need to purchase insurance? What happens if I am injured in an accident? Who pays my medical bills? Can I make a claim against the person who caused the accident? What happens if my car is damaged or stolen? Who pays for the repairs or replacement of my car? What happens if someone else is injured and makes a claim against me? How can I get a lawyer to represent me? How can I pay for a judgment against me?