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third party

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third party
I
ˌthird ˈparty1 noun [countable]
law someone who is not one of the two main people involved in an agreement or legal case, but who is affected by it or involved in it in some way

II
ˌthird ˈparty2 adjective
third party insurance/cover/policy insurance that pays money to someone who is hurt or whose property is damaged by something that you have done:
    Does third party insurance cover (=pay for) this type of damage?
comprehensive