1st party: (more expenssive)
when accident, can claim for yourself and also for the other person
involve if you are in the wrong.
3rd party: (cheaper)
if you wrong and need to pay, you only insured the other person in
the accident, meaning your vehicle spoilt, you have to pay
yourself. Insurance company only pay the person you langgar.
that's my understanding, care to correct me if i'm wrong?
