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Car insurance can be a complex field, with a huge variety of different policies and coverage levels in operation. Car insurance, also referred to as auto insurance and vehicle insurance, is a legal obligation in many jurisdictions around the world, so it is important to know exactly how you are being covered.
When you take out a car insurance contract, most car insurance firms will provide you with a car insurance certificate (Doppelkarte online) , which provides the details of your coverage and the expiration dates of your contract. In many jurisdictions around the world, it is necessary to carry this certificate in your car whenever you are driving on public roads, in case it needs to be checked by police officers and other officials. Apart from acting as a legal notice of insurance, car insurance certificates are also a great way to confirm your car insurance contracts and policy details.

Car insurance is in wide use all around the world, although different countries have different rules regarding its implementation. In most jurisdictions, it is a legal requirement that people take out basic third party coverage, in order to protect third parties when they are involved in an accident that is not their fault. However, there are a number of additional levels of car insurance coverage as well, all of which can be summarised in a few basic categories. Auto insurance can be broken down into these basic coverage levels, third party personal, third party property, personal, property, fire and theft, comprehensive, and no fault insurance. These levels do merge at times however, depending on the jurisdiction and the insurance company in question. For example, some comprehensive policies will cover fire and theft, and some personal policies will cover third parties in some situations.

When taking out a car insurance contract, it is very important that you know exactly what you are being covered for. When it comes to your legal obligations as a vehicle driver, it is even more important that you are covered in a way that protects yourself and others. A car insurance certificate is generally provided by vehicle insurance companies, and is one of the best ways to check your level of coverage. If it is a legal requirement in your country, it is important to carry your certificate with you, in case it needs to be checked by police and other authorities.