Liability car insurance is a kind of automobile coverage that provides protection for drivers who in the cause of operating their vehicles harm other people or their properties. Collision car insurance is a kind of insurance that help the insured to repair or replace his vehicle if is damaged by collision with other vehicle or objects such as trees. Car insurances always cover the vehicle and if another person is driving the vehicle with the permission of the original owner who insured the vehicle, then the damage to the vehicle will be covered by the owner automobile insurance.