Car insurance didn't always come standard with a set of keys. What started as a niche product in the early days of motoring has become a legal and financial necessity for nearly every U.S. driver.

In my last column, I wrote about the year so far in insurance, and how climate-related disasters and public policy have put the industry on a path toward crisis much faster than even dire predictions ...

The evolution of car insurance: From first policy to modern telematics Car insurance didn't always come standard with a set of keys. What started as a niche product in the early days of motoring has ...