The auto insurance industry undergoes frequent changes year after year as society changes; however, in recent times  there have been even more changes than ever.

By the beginning of 2010, every state but New Hampshire and Wisconsin had changed their law to make liability coverage mandatory. Also, members of the federal government were trying to take steps to stamp out texting and driving, as well as create national standards for teen drivers.

With changes occurring frequently, it makes you wonder how many changes have taken place since the beginning of auto insurance � and when exactly the beginning is. The history of car insurance in the United States is a long one, so we will look at it by creating a timeline of the major adjustments that have occurred over the course of its history. Okay, so we know that there were no automobiles or auto insurance in 3000 B.C.; however, it�s important to note that the concept of auto insurance comes from the ancient Chinese whose merchants needed protection for their boats. Based on this need, tort law was created.