Why might a driver opt for comprehensive coverage rather than third-party?

Choosing comprehensive coverage over third-party coverage is primarily about the level of protection desired, especially concerning the driver's own vehicle. Comprehensive coverage not only includes protection against damages to the vehicle from incidents like theft, fire, or weather-related events, but it also covers damages resulting from accidents, regardless of who is at fault. This makes it particularly beneficial for drivers who want to ensure that they are financially protected in case of an accident that damages their own vehicle, as third-party coverage only addresses damages to other parties' vehicles or injuries resulting from the driver’s actions.

In this context, opting for comprehensive coverage can offer peace of mind. Drivers who are concerned about the investment they've made in their vehicle or those who live in areas with higher risks for accidents or other hazards often find comprehensive coverage more appealing.

Other options available in the question highlight aspects that do not align with the primary motive for choosing comprehensive coverage. For instance, while third-party coverage is often less expensive, this is not the central focus for someone wanting to protect their own vehicle. Legality is also not an issue here, as third-party insurance is not illegal, but rather a minimum requirement in many places. Lastly, while third-party insurance provides basic liability protection, it does not cover damages to the