As much as we would all like to believe that we are invincible on the road, accidents happen. And when they do, the consequences can be devastating. In many cases, it is not just the driver and their vehicle that are affected, but also innocent bystanders and their property. This is why the Federal Road Safety Corp (FRSC) places a strong emphasis on third party insurance for both commercial and private vehicles. And it is extremely important for all vehicle owners to cooperate with police checkpoints in order to ensure road safety for all.
First and foremost, let’s understand what third party insurance is. It is a type of insurance coverage that protects the policyholder from any claims made by a third party in the event of an accident. This means that if you are involved in an accident and it is deemed to be your fault, your insurance will cover the damage and injury caused to the other person or their property.
Now, why is it so important for commercial and private vehicles to have this type of insurance? The answer is simple – to protect others. When a commercial vehicle is on the road, it is not just the driver’s life that is at stake, but also those of their passengers and other road users. This is why it is mandatory for all commercial vehicles to have third party insurance in order to ensure that in the event of an accident, the victims are not left with no means of compensation.
The same goes for private vehicles. While it may seem like an unnecessary expense, third party insurance is crucial in protecting other road users from the potential financial burden of an accident. Without this coverage, innocent victims could be left with no means of recovering their losses, leading to further financial and emotional distress.
But it’s not just about protecting others, it’s also about protecting yourself. In many cases, third party insurance also includes coverage for legal fees in the event of a lawsuit. This can save vehicle owners from potentially crippling legal expenses that may arise from an accident.
And this is where the cooperation of vehicle owners at police checkpoints comes in. These checkpoints are set up by the FRSC to ensure that all vehicles on the road are in compliance with road safety regulations, including proper documentation and insurance coverage. It may seem like an inconvenience at times, but it is for the greater good of all road users. By following the rules and having the necessary documents and insurance, vehicle owners are not only protecting themselves, but also ensuring the safety of others on the road.
In addition, cooperation with police checkpoints can also help in preventing road accidents and enforcing traffic laws. By ensuring that all vehicles on the road are in good condition and have the necessary documentation, the FRSC and police can help reduce the risk of accidents caused by faulty vehicles or reckless drivers.
In conclusion, third party insurance and cooperation with police checkpoints are crucial in promoting road safety for all. It is every vehicle owner’s responsibility to ensure that they have the necessary insurance and documentation in order to protect themselves and others in the event of an accident. So let’s all do our part in making our roads safer for everyone. Remember, safety comes first, always.
– Benjamin Ibrahim, a Retired Permanent Secretary, writes from Lokoja.
