Auto insurance is not mandatory but it is required by the different local governments due to the amount of damage that motor vehicles can and are liable of doing in case of injury. The most expensive insurance packages, the Comprehensive type is so because it gives the insured vehicle, the passengers, the bystanders and even the vehicle it collided with or property that was damaged coverage. As the name states it gives comprehensive coverage of almost all the bases that can need coverage in case of an accident.