Is there any way to know you are secured while driving a car or riding a bike from any disaster? the simple answer is "NO". Auto Insurance is an Insurance that protects you from any future unwanted events by helping you financially.
Auto Insurance Policy covers Personal accident of the owner driver, damage to the insured car either man made or natural calamity and the third party liability. some insurance company also offers add on facilities to cover the co-passengers too.
If looking for auto insurance policy then you must compare auto insurance online. or there are some companies like National Insurance, New India, HDFC ERGO , etc.