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Almost everyone has a car, al these people have insurance so that they are aloud to drive on the public road. If you get involved in a road accident you will need the insurance. Who is the one to blame doesn't really matter. Because of circumstances sometimes itīs not clear who is guilty and then the insurance companies donīt want to pay out.

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It could be the case that your are the one who created the road accident and if thats the case it's your insurance company which has to pay. That's why it is obligated in most countries to have at least Third Party Insurance. It could come in handy of you would also have insurance coverage for yourself and your own vehicle. If the traffic accident is (partially) your own fault and you have these extra insurances, then you still are protected against losses. So if you want to be able to sleep well at night, you'd better have a good insurance policy.

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