Accidents can happen anytime, no matter how cautiously you drive. That is why having a valid 3rd party car insurance policy is essential. It is the mandatory coverage that protects you from legal and financial liabilities if your vehicle causes injury, death or property damage to another person.
While it does not cover your own car, it ensures you comply with Indian law and stay protected from third-party claims. Here is a clear guide on how to file a claim under third-party coverage.
What is Covered Under Third-Party Car Insurance?
A third-party car insurance policy covers your legal liabilities towards others involved in an accident caused by your vehicle. It includes:
Injury or Death of a Third-Party: Compensation is provided to the affected person or their family based on the extent of injury or fatality.
Damage to Third-Party Property: Covers repair or replacement costs up to the limit specified in your policy.
Legal Representation: The insurer assists in legal proceedings related to the accident.
However, third-party insurance does not provide any coverage for:
- Damage to your insured vehicle.
- Injuries to the policyholder or the insured driver.
- Losses from driving without a valid licence or under the influence of alcohol
When your car insurance renewal is due, make sure your third-party coverage is active and updated. Driving without it is a legal offence under the Motor Vehicles Act, 1988.
Step-By-Step Process to File a Third-Party Claim
Inform the Insurer Immediately
Contact your insurance company as soon as the incident occurs through their customer service support over the phone or email. Provide details such as date, time, location and brief circumstances of the accident.
File an FIR at the Nearest Police Station
A First Information Report (FIR) is mandatory for third-party claims. It serves as legal evidence of the event.
Collect Evidence
Take clear photos or videos of the accident scene, vehicle damage and any visible injuries. Note down witness details if possible to strengthen your claim.
Submit Documents
When filing a claim for 3rd party car insurance, you will generally be required to submit these documents:
- Copy of your policy
- Vehicle Registration Certificate (RC)
- Driving License of the insured person
- FIR copy and accident details
Attend a Motor Accident Claims Tribunal Hearing
Third-party claims are settled through the MACT, which determines the compensation amount after reviewing the evidence. Your insurer will represent you in these proceedings.
Await Compensation Approval
Once the court issues a verdict, your insurer will process the payment directly to the affected party as per the order.
Common Mistakes to Avoid
Even a small mistake can delay or affect your claim approval. Here are some of the common errors that you should avoid:
- Delaying the FIR or Intimation: Always report the accident to the police and your insurer right away. Waiting too long can make your claim harder to verify.
- Incomplete Documents: Keep all documents ready, including FIR copy, policy papers, and your driving licence. Missing even one can delay approval.
- Misreporting Incident Details: Describe the incident exactly as it happened. Any mismatch between your statement and the report can raise red flags.
- Letting Your Policy Lapse: An inactive policy means no coverage. Make sure your car insurance renewal is done on time so you stay protected when it matters.
Conclusion
Handling a claim under 3rd party car insurance isn’t as daunting as it sounds. When you act quickly, keep your documents organised and follow the right steps, and the process becomes much simpler.
Choosing a trusted insurer also makes a difference. Reliable insurers like TATA AIG offer dedicated claim assistance and an extensive support network, making it easier for policyholders to manage third-party cases.