Vehicle insurance is designed to give everyone on the road financial protection in the event of an accident or other incident. Vehicle insurance covers any time of vehicle, from cars and trucks to vans and motorcycles, and more. Additionally, it protects those who might injure or harm the property of others. Property, in this case, would include your vehicle and anything within it that could be damaged. Basically, having vehicle insurance means you will be covered from having to pay the cost of any damage or accident out of your own pocket. Insurance is coverage against incidents that may occur while driving, however unexpected they may be.