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Everyone who owns a car knows you're supposed to have an insurance before you are aloud to drive it on the streets. If you get involved in a road accident you're gonna need the insurance. It is not important if its your own fault or the fault of the other persons. Because of all kinds of circumstances it could happen that nobody os guilty and in that case neither of the insurance companies will want to pay out.

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In the case the road accident was your fault (everyone can make a mistake) your insurance company is the one thats gotta pay. Because an accident happens more often then everyone would like, the government made it obligated to have at least Third Party Insurance. Having complete insurance which also covers yourself and your own vehicle besides the third party insurance is a very wise thing. Like that you always get all the damages repaired without having to pay anything yourself. So it would be smart to have a good insurance.

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