Vehicles made their first appearance long before the turn of the 20th Century but these motor vehicles were so cumbrous it was much more practical to ride a coach to get from one place to the other.
Interest on motoring increased later on and by 1913, Henry Ford found a way to assemble automobiles faster making it possible for cars or vehicles to be manufactured at lower prices. It was at this point when more people could finally afford to buy vehicles.
Before the age of vehicle mass production however, there were already people who had motor vehicles –even if they were cumbersome and slow, they bought them because they were expensive. In a way, cars were more of a status symbol than anything else. Before Henry Ford, people who had cars had private agreements that would protect them from liability. It was a privilege to have a car so laws were put in place to protect property, animals, and people who might sustain injuries or damages because of these vehicles.
It was in 1895 when the first car insurance policy came about – the insurance issued by an English company. Three years later, the privileged few of the new world felt that car insurance was needed. It was a certain Dr. Truman J. Martin who had the first liability insurance in the US. After 1913, there was a boom in motor vehicle production. Henry Ford became rich of course and more people got to have cars. By the year 1927, the State of Massachusetts put a mandatory car insurance law into place. It took a while before the US came up with laws on how drivers of motor vehicles should behave on the road but thanks to the British, their Road Traffic Act passed into law in 1930 became the model for traffic rules and regulations in the country.
Today, there is no more need for car owners to draft private agreements with companies to protect themselves from having to shell out money for liability or other expenses, getting insurance is now easy. With the internet as a major communication and information tool, looking for auto insurance quotes online is now far easier than before.




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