There are mainly two types of motor insurance: 'Third Party Insurance' and 'Comprehensive Insurance'.
Third Party insurance protects a policy holder against losses which arise due to Third Party bodily injury/death or property damage. It is mandatory by law to have third party insurance.
However, this insurance does not protect you against losses which arise due to bodily injury/death to you, your vehicle and co-passengers. If you would like to be compensated for any damages to you, your co-passengers and your vehicle in addition to third Party coverage, you are adviced to purchase comprehensive motor insurance with PAB