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Third-party insurance, sometimes also called third party liability insurance helps cover you against liabilities, in case of any accidental loss/damage that is caused to any third-party vehicle, person or property.
For example, if your car accidentally hits another car and causes a dent to the other car, your third-party car insurance will cover for the losses incurred to the third-party.
According to the Motor Vehicles Act, Third-Party Insurance is mandatory for every vehicle in India.
But, no matter how carefully we drive, somethings are out of our control. So, it’s always a good idea to know what is covered, and what exactly is the third-party insurance claim procedure when something happens. This way, in case there’s some mishap, you’ll know what to do.
We all make mistakes, so if you bump into someone else’s vehicle, or damage someone’s house or property because of your vehicle, your third-party insurance will help compensate for this loss (up to Rs 7.5 lakhs).
In an unfortunate situation where physical injury or death to a third-party person happens, your third-party insurance will compensate for all the involved expenses to the third-party.
It’s also important to know what’s not covered in your third-party insurance policy so you’re not in for any surprises!
In general, you can claim third-party insurance for damages to a third-party only. However, in situations where you’ve faced an injury too because of a third-party you will be covered.
Here are some of the most common third-party insurance claims you can make in the case of an accident:
Medical expenses, hospitalization expenses, and treatment expenses in case of injuries caused to a third-party person due to the accident.
Compensation for loss of earnings due to a disability caused by the accident that prohibits the third-party person from working.
Compensation claims in the case of any physical disfigurement
While you are on the road, you may come across different situations where you need to make a third-party claim. Here are a few examples and how you can go about it.
If there is an accident, and your vehicle has damaged someone else’s property, here is how you can go about settling the matter by opting for third-party claim:
You or the third-party will first need to lodge a FIR at the local police station and obtain a charge sheet.
Share a copy of your motor insurance policy so that it can be used to make the claim.
Notify us of the incident. Without this, the required compensation can’t be made.
All third-party claims are settled in a Motor Accident Claims Tribunal (MACT), and the third-party must file a case at the local tribunal, who will then finalize the claim amount.
If there’s a compensation to be made, we take care of it on your behalf.
Tip: In the case of minor damages/losses, you can try for an out-of-court settlement, where a mutually agreeable amount is settled upon without going through the process of filing a FIR and dealing with the Motor Vehicle Tribunal.
If there has been an accident and you have suffered injury or there has been some damage to your property/vehicle here is what you can do to claim third-party insurance
File an FIR with the police and obtain a charge sheet at the time of damage.
You should have viable evidence to prove the fault of the opposition party, like any photographic evidence, medical files showing your fees incurred for treatment, or documentation of injuries.
Note down the name and numbers of witnesses willing to support your claims.
Obtain the third-party motor insurance details of the vehicle owner to raise a claim.
Hire a motor claims lawyer and file a compensation claim case in the Motor Accident Claims Tribunal (MACT)
You can choose to go for subrogation, where the insurance company will pay the amount, you claimed for and then you give them the right to sue the person who caused the accident in a bid to recover the money paid to you.
Note: You can opt for subrogation only if you have comprehensive motor insurance.
The following documents must be submitted when you file for, you’re a third-party insurance claim -
Duly filed and signed claim form
Copy of the FIR
Copy of valid Driving License
Copy of the first two pages of your policy document
Copy of the vehicle’s registration certificate
The third party can also hand in additional documents, such as photographic evidence, and other proof of fault of the opposition party. This might include the inspection officer’s report, original bills and surveyor’s report.
While in the case of personal injury, medical bills/documentation of injuries may be required.
Here at Digit, we love claims! In case of an accident, you can reach us at 1800-258-5956 and we’ll do everything that we can in our capacity.
In case you meet with an accident (and you make a third-party claim, we will take care of any legal responsibilities arising out of that. This includes advocates, investigations and any verification, which is needed.
If there is any compensation to be made to the third-party, we take care of it.
As long as there is no violation of terms, we will try for a non-monetary settlement. In case such a situation cannot be evaded, Digit Insurance will represent you in court.
If you admit your fault for any kind of negligence, Digit’s Third-Party cover will still hold good.
You will not lose your No Claim Bonus when you make third-party claims.
The time taken by insurers to settle a third-party claim depends on whether you decide to file the compensation claim case in the Motor Accident Claims Tribunal, or settle it out-of-court.
Usually, claims filed for large property damages, injury and death can take one to two years to be settled. Having all the documents in place, including a proper narration of the incident recorded in the FIR, and original records of expenses will expediate the entire process
For minor damages/ losses, people are advised to settle it out-of-court as it would be a lot quicker that way.
Damage caused because of drunk driving.
Driving without a valid driving license.
Not informing the insurance company of the incident on time.
Driving with a learner’s license but not having the holder of a valid driving licence in the passenger’s seat.
If the damage caused is not a direct result of an accident.
Damage caused due to contributory negligence.
Not paying the premium for the policy. Providing wrong information at the time of purchasing the policy.
If the vehicle is modified and new accessories are added to it.
When you’re filing for a third-party claim, here are some mistakes you should avoid making:
Do not run away from the site of the accident, even if you are at fault.
Do not forget to inform the police about the accident and lodge an FIR.
Avoid trying to settle the matter personally with the third-party.
Never drive your vehicle under the influence of alcohol/drugs.
Do not use a private registered vehicle for commercial use.
Do not skip any of the required formalities e.g. Filing a FIR, getting medical documents, etc.
Do not carry more than the vehicle load capacity, both in passengers and goods
Call us at 1800-258-5956 and we’ll ensure that there is no stress for you.
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