There are two types of car insurance policies. First is the third-party cover, which is cheaper and offers minimal coverage, and the second one is a comprehensive cover which costs a bit more but provides extensive coverage. I went for third-party coverage without having an idea of what I will be missing out (I paid for this mistake as well). Hence, you should know what both the plans include and then select an adequate cover from the best of motor insurance companies in India.
Just like me, if you opt for third-party car insurance, you will be covered for the damages, injuries, and death caused to the other party in the event of an accident. However, you will not be given any help in case of damage caused to your own vehicle or injury to yourself.
However, a comprehensive car insurance plan will cover damage caused to you or your car (along with third party liability), in case of an accident. It will offer you a wholesome protection as it also includes damage caused by theft, natural calamity, fire, etc.