Does Third-Party Liability Insurance Cover the Policyholder?

[Haley]

No. Here is additional information: 1. Definition of Third-Party Liability Insurance: When an insured vehicle causes bodily injury or direct property damage to others due to an accident, the insurer compensates according to the insurance contract terms. 2. Insurance Coverage: The coverage of motor vehicle third-party liability insurance is as follows: During the insurance period, if the policyholder or an authorized driver causes an accident while using the insured vehicle, resulting in bodily injury or direct property damage to a third party, and the policyholder is legally liable for the damages (excluding circumstances where the insurer is exempt from liability), the insurer will compensate for the portion exceeding the sub-limits of compulsory motor vehicle traffic accident liability insurance according to the insurance contract.