If it is drivers fault will the third party insurance offer claims?
Third party insurance will offer you a protective cover against damages caused to any third person, vehicle or property not your own self. Even when you are at fault while driving, a third party insurance will cover claims for damage caused to a third party including claims for grievous injury, disability or even death. You cannot however seek any claim for damage caused to your own self or your vehicle under the third party insurance cover.
As per the motor vehicles act, third party insurance is compulsory for all vehicle owners. However, it does not cover you or your vehicle. What it does cover is the damage you may have caused to the third party’s vehicle and any injury or death to the third party that may have arisen from you using your vehicle.
Third party insurance benefits the injured third party. You, as a policy holder, will only be the beneficiary of the policy in a nominal sense. So, a third party can claim for compensation by filing a case against you and your insurer.