How to Claim Third Party Insurance?

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.

Even after all necessary precautions are taken unforeseen incidents happen. Road Accidents can be traumatic and can involve financial liabilities towards road accident victims which can cause immense anxiety to all involved. A Third Party Motor Insurance in such situations will provide you with mental peace. Besides, a vehicle Owner has to mandatorily take Third Party Motor Insurance Cover as per the applicable laws in India.

Provided all necessary conditions are met under the Motor Vehicles Act 1988 and its subsequent amendments, a Third Party Motor Insurance protects the Policy holder against any third party compensation liabilities involving the vehicle in case of death/bodily injury/third party property damage.

A Third Party Claim has to finally be decided before a Motor Accidents Claims Tribunal.  If the accident victim or the family members intend to file a Third Party claim before the Court we may be contacted at (1800-258-5956) wherein we may suggest how to proceed, or, once a claim is filed before the Motor accidents Claims Tribunal you may intimate the same to the respective Nodal Officer’s contact details as provided at https://www.godigit.com/claims 

Important to note that:

A Third Party Motor Insurance Coverage does not provide any compensation for any damages sustained to your own vehicle, or, any personal accident. A Third Party Compensation Claim is payable only as per the provisions of such statutory laws as applicable in India.