If I'm injured in that accident then who will pay me?
And then what is the difference between this Motor Vehicle 3rd Party cover?

thank you very much for your kind words and valuable advice. i am still trying to get over the loss, and i was even feeling embarrassed to ask for compensation from the my company insurance. but i dont have a choice, atleast i can give my kids a future with it.

Pole sana, may God give you the strength to overcome the loss.

Though I'm not an expert in insurance matters, I can share a few things:
1. Like someone else has said the car insurance is meant to protect the car and maybe personal effects in case of damage to the vehicle.
2. Comprehensive insurance therefore compensates you for the damage to the car for repairs or replacement.
3. If you are the driver and owner of the car injury or death is not inclusive nor to immediate family members.
4. The answer lies in personal accident cover, life insurance etc.

You may need to talk to your insurance provider for clarity anyway.

May God bless you as you recover and remember baada ya msiba ni faraja. Be STRONG

@pops pole sana, just rem there's no sorrow on earth that heaven can't heal. Take good care of those kids, they are your greatest asset.Hope the insur. matter works out well.

Pole sana Pops, may God give you the strength to cope through the situation.