Car insurance is to protect you and your car when accidents happen on the road.
Although a lot of people know this but many choose to ignore the importance of having it.
All state requires people who owns and drive a car to have car insurance.
This is for the driver's safety as well as the passenger and the third party that would be involved in the accident.
But many of those who owns a car doesn't have car insurance to some maybe they don't have extra money for getting insurance.
While others have extra money but chose not to get it.
One of the reasons why people don't get their car insured is because auto insurance is very expensive for their budget.
But today you could find lots of affordable and cheap insurance online, you just have to have the determination and effort to find it.
There are many different types of auto insurance such as comprehensive car insurance, bodily injury, collision coverage, towing etc.
One of these coverage options is the third party car insurance.
Here is the difference between comprehensive and third party coverage.
Comprehensive insurance covers your vehicle when they are stolen or they are damaged by natural disaster such as hail storm, flood, earthquake, falling tree, tornado etc.
It also covers your vehicle when it is hit or when it hits other cars it also covers the other car that you hit.
Because it covers many damages not only yours but also the other party's damage its rate is much expensive.
The third party car insurance is much cheaper and more affordable for most people because it only covers for the third party's damage.
In some area or state this insurance is referred to as liability insurance.
In car insurance term third party means the other side that you have caused damage on for the second party will be the insurance company and you as the one responsible for the accident will be the first party.
This insurance is important for most state will be requiring you to get a policy that will protect you from the damage that you have done to the other party by getting an insurance that will compensate the other party.
Here are some tips and advice for those who want to get third party car insurance.
If you think you can't afford to get or you don't want to get comprehension coverage for your auto insurance then you could get for a third party instead.
This third party will help you pay for the damage that you have inflicted on the other party in an accident.
But you also have to bear in mind that third party only covers for the damages of the other party and does not include the damage done to yours.
So you will still need a policy that will also protect you, your passenger and your car.
The only one who can choose for the right insurance for yourself is you.
So you need to consider your protection as well as the other party's.