Vehicle insurance is motor vehicle insurance, which refers to a kind of commercial insurance for motor vehicles caused by personal injury or property damage caused by natural disasters or accidents. Automobile insurance is a kind of property insurance. In the field of property insurance, automobile insurance belongs to a relatively young insurance type. This is because automobile insurance is generated and developed along with the emergence and popularization of automobiles. At the same time, unlike modern motor vehicle insurance, in the early stage of automobile insurance, the third-party liability insurance of automobiles is the main risk, and gradually spread to the risk of collision loss of the vehicle body.