Lightning McQueen is the main character from the Disney-Pixar animated film Cars. The article explores the question of whether or not the animated character has car insurance or life insurance. According to the article, it is likely that Lightning McQueen does not have either type of insurance as the world in which he exists is not a real one. The article further explains that insurance policies of this kind do not exist in the Cars universe and that Lightning McQueen, as a talking car, does not need them. In conclusion, it appears that Lightning McQueen does not have either car insurance or life insurance.