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How to Claim Third Party Insurance?

What can you Claim for in your Third-Party Insurance?

Third-Party Property/Vehicle Damages

Third-Party Property/Vehicle Damages

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 (for up to Rs 7.5 lakhs).

Personal Damage to a Third-Party

Personal Damage to a Third-Party

In an unfortunate situation, your vehicle could cause physical injuries or even death to a third-party person. In such a situation, your third-party insurance will compensate for all expenses involved to the third-party.

Personal Damage to Owner/Driver

Personal Accident Cover for Owner-Driver

It’s essential that you have a personal accident cover, in case you are physically injured due to an accident. And this cover can be included as part of your third-party insurance plan to protect you.

What can’t you Claim in your Third-Party Insurance?

It’s also important to know what’s not covered in your third-party insurance policy so you’re not in for any surprises! 

Own Damages

In a third-party insurance policy, damages to your own vehicle won’t be covered.

Drunk Driving or without a Licence

Your third-party vehicle insurance also won’t cover for you in situations where you were driving drunk or without a valid license.

Driving without a valid Driving Licence holder

In the case of a personal car, if you have a learner’s license, and you were not driving with someone holding a valid driving license- in the front passenger seat - then your claim won’t be covered.

What are the most common Claims in a Third-Party Insurance?

How to make a Third-Party Claim with Digit?

What are the documents required for Third-Party Insurance Claim?

How is the Third Party Claim processed by Digit?

How long does it take to settle Third-Party Claims?

Situations where your Third-Party Insurance Claim might get rejected

Mistakes to avoid while making a Third-party Claim