▁om issions ▁that ▁are ▁neg lig ent ▁and ▁that ▁result ▁in ▁damage ▁to ▁another ▁person , ▁his / her ▁property ▁or ▁interests . ▁Therefore , ▁the ▁main ▁scope ▁of ▁third ▁party ▁li ability ▁ins urance ▁is ▁to ▁protect ▁others ▁from ▁the ▁consequences ▁of ▁the ▁policy holder ’ s ▁wrong - do ing . ▁In ▁other ▁words , ▁the ▁third - party ▁li ability ▁ins urance ▁re imb urs es ▁the ▁other ▁party ’ s ▁dam ages ▁which ▁were ▁caused ▁by ▁a ▁neg lig ent ▁act ▁of ▁the ▁ins ured . ▁It ▁does ▁not ▁interven e ▁to ▁protect ▁the ▁property ▁and ▁interests ▁of ▁the ▁policy holder , ▁except ▁against ▁being ▁held ▁li able ▁for ▁the ▁other ▁party ’ s ▁dam ages . ▁It ▁will ▁also ▁provide ▁legal ▁representation ▁and ▁pay ▁the ▁cost ▁of ▁defense ▁of ▁the ▁policy holder ▁if ▁the ▁policy holder ▁is ▁su ed ▁as ▁a ▁result ▁of ▁being ▁involved ▁in ▁an ▁accident ▁because ▁losing ▁the ▁li ability ▁claim ▁would ▁be ▁det r iment al ▁for ▁the ▁li ability ▁ins urer ▁since ▁he ▁would ▁have ▁to ▁bear ▁the ▁financial ▁consequences . ▁The ▁li ability ▁ins urer , ▁however , ▁does ▁not ▁assist ▁the ▁policy holder ▁to ▁seek ▁justice ▁as ▁a ▁pla int iff ▁in ▁case ▁he ▁suffered ▁a ▁damage . ▁▁ ▁D ifferent ▁forms ▁of ▁legal ▁protection ▁ins urance ▁ ▁D ifferent ▁forms ▁of ▁legal ▁protection ▁ins urance ▁exist ▁and ▁have ▁developed ▁depending ▁on ▁the ▁national ▁juris dict ions . ▁Trad itionally , ▁legal ▁protection ▁ins urance ▁covers ▁un for ese en ▁events