When discussing liability be aware that if you operate a vehicle that you are insured under, and have an accident while under the influence of alcohol or drugs the car insurance company will not cover you in any way. In fact,with drunk driving and insurance claims, if the insurance company becomes aware that you were involved in an accident and were under the influence of alcohol or drugs when that accident occurred they will more than likely no longer cover you. Getting behind the wheel intoxicated is negligence and no insurance company pays for negligence of the person they are insuring.

Every car insurance company offers a third party policy to the consumer. A liability policy is one that covers any damage or injury that might be the result of an accident you have been found at fault for. The amount of actual coverage can vary, depending on the policy. Be sure to clearly read and fully understand your insurance policy or you could find yourself paying for anything that the insurance company doesn’t pay for.

Third party car insurance is the minimum car insurance you should have before driving your car. This type of cover is usually the cheapest,but it does not cover the damage done to your car, resulting from a crash. To cover yourself for that, you will need fully comprehensive car insurance.

Third party, fire and theft insurance is a good coverage to have if you have an expensive car with the latest in car stereo equipment installed in it.

• Understanding Comprehensive Auto Insurance

Comprehensive insurance is full coverage for things like theft, vandalism and other events that damage your vehicle, including a crash and injuries to another person.

Should you be in an accident, with passengers in your vehicle, fully comprehensive insurance provides coverage for both your passengers and you. This type of policy can cover hospital, medical and funeral expenses of your passengers, as well as cover the same for a pedestrian or someone in another car that might be injured by your vehicle. It is known to be more expencive, but by following some tips and advice, you can save on your car insurance policy.

From the above details about the car insurance types, you can probably deduce that you can save yourself money by only getting third party insurance, but is only a way to save money if you don’t have a crash or have your vehicle stolen or damaged. You have to weigh up the potential savings with how likely you are to have an accident or to have your car damaged and stolen, to find out whether taking out fully comprehensive car insurance will ultimately save you money in the long run.