First party insurance covers all aspects of the third-party insurance and additionally has coverage for any damage to the vehicle and its owner. Protecting the vehicle and the owner’s bank account from any problems at the streets. We have car, CNG, bus, rickshaw, unregulated constructions, jay walkers, broken roads, with half the people carrying a BRTC drivers license and most cars not clearing the fitness test. There are many more reasons of concern but that should not stop anyone,