What Does Third-Party Car Insurance Cover?


Quick Answer

According to CarsDirect, third-party insurance covers injuries sustained by other passengers and drivers and damage done to other vehicles involved in the accident as long as the insured individual is at fault. Currently, every state requires drivers to have either liability or third-party insurance.

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What Does Third-Party Car Insurance Cover?
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Full Answer

One of the reasons drivers need to have adequate third-party insurance on their auto policy is so they do not have to risk being taken to court by victims seeking compensation for damages, notes CarsDirect. While each state has its own requirements, drivers may want to purchase more than the required amount to protect their assets and make sure their policy fully covers all damages incurred from an auto accident.

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