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The third-party insurance was a safeguard to ensure our relationship between us and the client was protected in every way possible.
John made sure to purchase third-party insurance since he lived in such a litigious state. He was afraid of getting into an accident and getting sued, so he wanted to make sure he had extra insurance.
It's not entirely important, in this case, who's at fault since he happens to carry third-party insurance on his policy.