Car insurance (also known as vehicle insurance) is the insurance for cars, motorcycles and other road vehicles. It provides financial protection against damage or injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may also offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects.
The regulations for vehicle insurance differ with each of the 50 US states and other territories. Each state has its own mandatory minimum coverage requirements. Each of the 50 U.S. states and the District of Columbia requires drivers to have insurance coverage for both bodily injury and property damage, but the minimum amount of coverage required by law varies by state.
Auto repair insurance is an extension of car insurance available in all 50 of the United States that covers the natural wear and tear on a vehicle, but it doesn’t include damages related to a car accident.
In several countries insurance companies offer direct repair programs so that their customers can easily find a recommended car body repair shop.