Auto insurance was not created by a single individual or organization. It evolved over time as a response to the growing number of automobiles on the roads and the need to protect drivers and their vehicles from financial loss in the event of accidents or other incidents. The concept of insurance itself dates back centuries, but the specific form of auto insurance as we know it today began to emerge in the early 20th century. The first auto insurance policy is believed to have been issued in the United Kingdom in 1897. However, it wasn't until the early 20th century that auto insurance became more widespread and standardized. In the United States, the first auto insurance policy was issued in 1898 by the Travelers Insurance Company. Over time, more insurance companies started offering auto insurance policies, and regulations were put in place to ensure the protection of policyholders and establish minimum coverage requirements. Today, auto insurance is a legal requirement in many countries and plays a crucial role in providing financial protection to drivers and vehicle owners in case of accidents or other covered events.