Motor insurance in India covers for the loss or damage caused to the automobile or its parts due to natural and man-made calamities. It provides accident cover for individual owners of the vehicle while driving and also for passengers and third party legal liability. 3rd party Insurance is compulsory as mandated by the Motor Vehicle Act for all Vehicle Owners.
While driving you are responsible for the safety of:
Unpredictability is what you are protecting yourself from. Accident, theft or any legal obligation in case of an accident are covered.