Insurance Tech Stuff: third party ruling

i have learned that a passanger riding in a vehicle who has no blood relation with the driver or the assured is considered as a third party.

this is important in vehicles involved with Third Party Liabilities (TPL).

Victim doesn't have to be outside the vehicle to be considered as a third party.

A friend, riding in the assured's vehicle, is considered a third party, and is covered with the Third Party clauses of a motor policy.