Generally, in the US, we have the same. The catch is, that if you are leasing or have a car loan on your vehicle, you are usually required by the financing com

Generally, in the US, we have the same. The catch is, that if you are leasing or have a car loan on your vehicle, you are usually required by the financing company to carry comprehensive coverage - so that if you total the vehicle while the loan is active, you don't get caught with having to buy another vehicle, and still pay the loan for the wrecked vehicle off. Thus, while you can carry just liability insurance on your vehicle in most states, it isn't all that common, aside from older, paid-off vehicles, or used clunkers that are cheap enough for people to buy outright without financing.