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What is third party insurance?

If you drive a car, you have probably heard about “third party insurance”.  Third party insurance covers you for claims made against you by third parties – that is, other people.

There are two types of third party insurance:

If you have comprehensive insurance for your car, this includes third party property damage insurance.  If you don’t have comprehensive insurance, you can buy this third party insurance separately.

Even if you think your own car isn’t worth insuring, you should think about having third party property damage insurance.  We have seen cases where people face huge debts because they have been responsible for property damage to another vehicle, and they haven’t had this insurance.  Third party property damage insurance saves you from this, because your insurer pays for the damage to the other vehicle.

If you have a question about property damage from a collision, we can provide you with legal help.