If you're in charge of a vehicle and cause a road traffic accident,
there is otherwise no insurance that covers your own personal
injuries due to the crash. Your (compulsory) third-party policy
only covers harm caused by you to others (hence 'third' party). And
your vehicle's comprehensive policy pays out for property damage but
doesn't provide recompense for your personal injuries.
This 'car insurance for drivers' policy protects you personally
when you're out in your car and is therefore an optimum solution. So,
if you're injured due to a road traffic accident, at least you needn't
lose sleep about the cost of your treatment: your insurer pays for
your medical care.