 Even when it is without its engine or without petrol, if it is moved down on an incline, even unintentionally, it can cause considerable damage and human injury.Hence, unlike other properties which may be insured or not at the option of the owner, a motor vehicle is required by law to be insured in respect of the user's liability for death, bodily injury or damage to property of third party.These kinds of insurance contracts are based on indemnity and only cover the damage, and the whole insurance amount is not given every time.