Who Created Car Insurance? 
Car insurance was not invented by a lizard . A principle behind insurance , any insurance , is shared risk . Insurance was being written before the invention of the automobile . Ships were insured . Because both an automobile and a ship move and carry things the transition was simple . In more recent times there has been a continuous effort to have auto policies issued by various companies provide the same basic coverages . So you could say that auto insurance is still being invented as automobiles change and the environment in which they operate changes . 