افزایش تعداد خودروها و سفرهای درون شهری و برون شهری موجب ازدیاد حوادث رانندگی و وارد آمدن خسارت سنگین جانی و مالی به دارندگان، سرنشینان و اشخاص ثالث گردیده و مشکلات جدی را برای استفاده کنندگان از خودرو و زیان دیدگان از حوادث رانندگی و اعضای خانواده های آنان به وجود آورده و در بسیاری از موارد فعالیت های اقتصادی خانواده ها را مختل کرده است در این جا است که می توان برای جبران خسارت های مالی از بیمه نامه بدنه خودرو جهت پشتیبانی مالی استفاده نمود.
خطرهای اصلی تحت پوشش
حادثه شامل تصادف ، برخورد با جسم ثابت یا متحرک ، برخورد شیئ دیگر با اتومبیل مورد بیمه ، واژگونی و سقوط مورد بیمه بر اثر حوادث رانندگی
آتش سوزی، صاعقه و انفجار
دزدی کلی
خطر های اضافی (فرعی) تحت پوشش سرقت در جای لوازم از قبیل رادیو پخش، رینگ، لاستیک، آینه ها و سایر لوازم خودرو
شکست شیشه به تنهایی به عللی غیر از خطرهای اصلی
غرامت عدم استفاده از خودرو در ایام تعمیرات
حوادث طبیعی شامل سیل، زلزله، آتشفشان
حوادث ناشی از مواد شیمیایی نظیر اسید و رنگ
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