Auto insurance refers to a type of insurance coverage that protects drivers from financial loss in the event of an accident, collision or other car-related damage. It is designed to provide protection for both the driver and their vehicle, as well as any passengers who may be injured while riding in the car. Auto insurance policies typically cover damages caused by accidents, vandalism, weather events such as hail, and other types of collisions or incidents that can cause damage to a vehicle or its occupants. The specific coverage provided varies depending on the policy purchased, but most auto insurance policies include liability coverage for bodily injury and property damage caused by an accident, collision coverage for damages to the driver's own car, comprehensive coverage for non-accident related damages such as vandalism or weather events, and personal injury protection (PIP) which covers medical expenses and lost wages of the policyholder and their passengers. Auto insurance is typically required by law in most states, and can help drivers protect themselves from financial loss due to accidents or other car-related incidents.