In other words when you purchase this coverage its designed to protect you financially if someone files a claim against you.

What does third party vehicle insurance cover. Third-party means it didnt happen to you but to someone else. Repair costs to any property youve damaged. Your third-party insurance policy covers you for the other partys material damage but it extends to personal liability cover for an event outside South Africa.

Third-party liability coverage is the portion of an insurance policy that protects you if youre sued or threatened to be sued for a physical injury or damage to someone elses property. For that youd need a comprehensive insurance policy. If youre involved in an accident thats not your fault the other persons insurer.

The term third party refers to a person involved with a car insurance claim who is not you the holder of the policy or the driver. It covers the victims property and any medical costs due to injury. Injury to a driver or passenger in another car third-party injury Damage to another persons car.

The policy does not provide any benefit to the insured. It will also cover you for an emotional shock claim against you by a party who is not directly involved. What isnt covered though is damage to your own car or any injuries you suffer.

In that case your insurer will bear the expenses andor liabilities arising from such an eventuality. Direct compensation covers damages as a result of an accident where an identified insured third-party is at-fault. If you are involved in an accident third party car insurance will typically cover you for.

Legal fees and lawsuits as a result of the accident. Third-party insurance pays the charges when someone makes a claim against you or your car insurance company. Your third-party insurance would cover the cost of the other persons car and medical expenses.