Who am I covering with the motor insurance, myself or the other car driver or my passengers?
The minimum cover required by law covers the driver's legal liability for death of or bodily injury to passengers and third parties caused by his negligence. Such an insurance cover would not pay for damages to any vehicle, nor would it provide cover for the driver's death or injuries and many other aspects of a motor accident. The driver is therefore encouraged to take up insurance for other aspects by paying additional premium.
