Motor insurance, also known as auto insurance or car insurance, is a type of insurance that provides coverage for vehicles against various risks and damages. It is a legal requirement in many countries for vehicle owners to have motor insurance before they can drive on public roads. The primary purpose of motor insurance is to protect vehicle owners from financial losses that may arise due to accidents, theft, or other unexpected events involving their vehicles.

There are several types of motor insurance coverage, and the specifics may vary depending on the insurance provider and local regulations. The main types of motor insurance coverage include:

1. Liability Coverage: This is the basic and mandatory coverage required in most places. It provides protection against bodily injury or property damage caused to third parties in accidents where the policyholder is at fault. Liability coverage helps pay for the medical expenses, property repair, or legal costs of the affected third parties.
2. Comprehensive Coverage: This coverage provides protection against a wide range of risks, including damage to the insured vehicle caused by accidents, theft, vandalism, natural disasters (e.g., floods, earthquakes), and other non-collision incidents.
3. Collision Coverage: Collision coverage specifically protects the insured vehicle against damage caused by collisions with other vehicles or objects, regardless of fault. It is often required if the vehicle is financed or leased.
4. Uninsured/Underinsured Motorist Coverage: This coverage protects the policyholder in case of an accident with a driver who has no insurance or insufficient insurance to cover the damages.
5. Personal Injury Protection (PIP) or Medical Payments (MedPay): PIP or MedPay coverage helps pay for the medical expenses of the policyholder and their passengers in case of injury due to an accident, regardless of fault.