Automobile insurance has changed American society greatly in the past century, ever since the very first insurance policy was written up in the nineteenth century. The concept of auto insurance, however, gets its roots far before the automobile was ever invented.
Where Auto Insurance Came From
The concept of auto insurance is fundamentally a tort system. Tort law falls under civil law and specifically involves personal injury laws.
Etymologically, “tort” means a “wrong,” from the Latin tortus, “twisted,” to the French tort, “wrong.” All torts are wrongs involving damage to a protected interest. In other words, a tort occurs when someone either deliberately or through negligence harms another person or group.
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