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Car insurance is an insurance contract that covers the risks created by driving cars in the event of causing an accident.

There is a basic modality, the contracting of which is mandatory for the owners of all vehicles, called compulsory automobile insurance, which covers the civil liability of the owner and the driver of the vehicle —in the event that they are not the same person— for damages and injuries caused to third parties. It also includes apostolic defense up to certain limits. This modality is regulated in detail by state regulations.