The first civil liability insurance was taken out in the United States in the late twentieth century (February 1, 1898) by the American insurance company Travelers Insurance Company. The first insured was a doctor. He insured his car against a collision with horses or carts. The insurance premium was $ 12.50. The sum insured was $ 500.
In the 1920s, mass production of Ford cars began. With the increase in the number of cars, the number of concluded Civil Liability insurances also increases.
In 1925, again in the United States (Massachusetts), the first attempts were made to make Civil Liability Insurance compulsory.
Due to the increase in the number of cars in Europe, in the 50s of the XX century, liability insurance also became mandatory.