It has been regulated by Road and Transport authorities and is now compulsory to buy third party insurance which compensates the victims with personal injuries involved in the accident if the vehicle is registered. This of course is not something most people think about when shopping around for cheap auto insurance. The aim of third party insurance is to minimize the impact of accidents on the injured drivers or passengers involved in. It is so difficult to deal with injuries which could be physical, emotional or financial. Third party insurance has numerous advantages for the victims, the road users who could be cyclists, passengers and pedestrians. This service is available throughout the day and seven days a week.

The major services include are the cover for injuries to the driver based on the proportion of the fault, provide adequate compensation for medical and hospital costs and any associated expenses, also can compensate for loss of work time, for pain, suffering and loss of function. It also has the provision of reducing payments to the victims who find hard to follow the basic road rules. This third party insurance cover does not compensate for the damage to the car/vehicle or other property.

The procedures have been clearly laid down and for the claim the accident report form needs to be completed by the registered owner of the vehicle and there is injury claim form to be completed by the injured persons who want to claim compensation for their injuries.

The third party insurance policies are amended regularly and the recent change is to provide facilities and access to the all the injured parties irrespective of who is at fault. The procedures also ensure that the compensation or the help is available to the concerned parties without being hassled. It is the constant effort of the authorities and the associated parties to simplify the procedures so that they are quick and the services are made to the concerned grieved parties as quickly as possible.

The third party insurance provides provisions for the injured party a cover under which claim can be made unlimited liability for personal injury and also provides access to common law in which the injured person can approach law for monetary compensation for personal injury and associated damages. The third party insurance is designed in such a way that it offers a safety net against unreasonable third party claims.
There are several legal firms who are involved in litigation on behalf of the injured and claim to get the best compensation financially.