You can get different kind of insurance policies for your automobile and one of them is third party auto insurance. Despite low premium costs, third party insurance can be highly beneficial. Do you have third party auto insurance? In case you do not know about this kind of insurance, it is basically a policy that primarily covers the damages to someone’s vehicle when you hit it, it also covers the driver of the vehicle you hit. Third party auto insurance focuses on the affected party. This means the policy will pay for damages on someone else’s vehicle and also cover the medical expenses of the driver of another vehicle if they are injured.