The car insurance here would act like health insurance which is completely different from life insurance
Life insurance in simple words mean that when the insured dies or lived longer, the insurer will have to give money to them or their family
Meanwhile health insurance is when something unexpected happens to the insured in terms of health issues like a sudden stroke or getting attacked
A car insurance is when something happens to the insured's car like it went in an accident
If u think about it, if ur a transformer, the car insurance would work as same as health insurance since hence the transformers should take the car insurance but its wise to take both