Why do you need to have Voluntary MTPL if you already have CMTPL. For having a Voluntary MTPL contract you pay a small amount, in return you avoid large, sometimes reaching millions, expenses in the future.
Suppose an accident occurred, for which you are at fault. And what will happen if the damage caused by you is greater than can be compensated under the CMTPL contract. In this case, you will be forced to pay extra from your pocket. If you have Voluntary MTPL, then the insurance company will pay again instead of you.
