pghendry

That's not how 3rd party normally works (in the UK at least). 3rd party covers any damage you do to someone else's car in an accident if it was your fault on no-blame. It doesn't cover anything towards the cost of your own car. As you point out, "3rd party" means the other guy and that is who it covers.

Hi Suresh, What sort of times are you getting around Hampton with all your mods? How have they changed since you first took it there when it had less/no mods?