Third-celebration insurance is a mandatory requirement for all car proprietors in India, as according to the Motor Vehicles Act, 1988. It affords economic safety towards damages or injuries precipitated to a third party (different people, cars, or belongings) because of an accident regarding your insured automobile. However, many people are blind to the technique worried in claiming 0.33-celebration coverage.
In this weblog, we are able to explain How to claim 3rd party insurance, inclusive of felony elements, required documents, and steps to record a claim.
What Is Third-Party Insurance?
Third-celebration insurance covers liabilities bobbing up from accidents wherein your automobile reasons harm to:
✔ Another character’s automobile
✔ Public or personal belongings
✔ A pedestrian or any third birthday celebration
Unlike comprehensive coverage, which additionally covers damage on your own car, third-celebration insurance only compensates for losses suffered by means of the opposite birthday celebration.
Example:
If you by accident hit another car and damage their bumper, your 1/3-celebration coverage will cowl the restore prices for the other automobile. However, it’s going to not pay for damages in your own car.
When Can You File a Third-Party Insurance Claim?
You can report a third-birthday party declare beneath the following situations:
- If your vehicle damages any other character’s automobile or car
- If your automobile injures or reasons the dying of a 3rd party
- If your vehicle damages public or personal property (together with partitions, avenue lighting, or buildings)
If you’re the victim (i.E., your car was hit with the aid of a person else), you must file a claim in opposition to the third-celebration insurer of the accountable automobile.
Step-by using-Step Process how to claim 3rd party insurance
Step 1: File an FIR (First Information Report)
After an coincidence, the first step is to file the incident to the closest police station and file an FIR (First Information Report).
Why is this critical?
- The coverage organization calls for an FIR to system the declare.
- It acts as professional proof of the twist of fate.
- In case of critical injuries or fatalities, prison movement may be required.
📌 Tip: Always take a copy of the FIR for your statistics.
Step 2: Note Down Important Details
Gather as much information as possible about the twist of fate. This includes:
- Details of the alternative car (registration range, model, color)
- Owner and driving force details (call, contact number, license range)
- Eyewitness statistics (names and get in touch with numbers of witnesses)
- Accident vicinity, time, and weather conditions
📸 Take pix of the twist of fate scene, broken automobiles, and any accidents.
Step 3: Inform Your Insurance Company
Contact your coverage issuer at once and document the coincidence. Most corporations have a 24×7 claims helpline.
✔ Provide information about the twist of fate.
✔ Share the FIR copy and different files.
✔ Follow their instructions for further steps.
⚠ Important: Do now not restore your car earlier than the surveyor’s inspection, or your claim can be rejected.
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Step four: File a Case within the Motor Accident Claims Tribunal (MACT)
Unlike very own-harm claims, 0.33-party insurance claims are settled through prison court cases. You (or the affected 1/3 birthday celebration) need to record a case within the Motor Accident Claims Tribunal (MACT) within the jurisdiction in which the twist of fate took place.
🚨 Key Points:
✔ The coverage enterprise will simplest pay compensation as determined with the aid of the tribunal.
✔ The process may also take weeks or months, depending at the case.
✔ If you’re at fault, your insurer will represent you inside the tribunal.
📌 Tip: Hire a legal professional if the case involves serious injury or dying.
Step 5: Insurance Company Investigation
The insurer will rent a surveyor to research the accident. The surveyor will:
✔ Verify the FIR and police record
✔ Examine damage to the 1/3 birthday party
✔ Assess the extent of liability
Based at the findings, the coverage employer will propose a compensation amount in courtroom.
Step 6: Compensation and Claim Settlement
Once the MACT tribunal comes to a decision the repayment amount, the insurance organisation will:
- Pay the third-birthday celebration claimant at once
- Handle all criminal formalities
The claim agreement manner may also take the time, especially in instances involving bodily damage or dying.
Documents Required for Third-Party Insurance Claim
To manner a 3rd-birthday celebration insurance claim, you need the following:
✔ Copy of the FIR filed with the police
✔ Claim application with coincidence information
✔ Insurance coverage record (showing 1/3-celebration coverage)
✔ Vehicle registration certificates (RC)
✔ Driving license of the proprietor/motive force
✔ Medical reviews (in case of physical harm)
✔ Repair payments (if relevant)
✔ Court order from MACT (for final reimbursement)
📌 Tip: Keep all documents geared up to avoid delays in declare agreement.
How Long Does It Take to Settle a Third-Party Claim?
The time required to settle a 3rd-birthday party declare relies upon on:
- The complexity of the case
- The availability of evidence and files
- The court’s decision timeline
On average, third-birthday party claims may take a few months to over a yr to settle.
📌 Tip: Cooperate with the insurance organization and provide all essential documents right away.
Key Points to Remember
✔ Third-party coverage is obligatory for all vehicle proprietors in India.
✔ File an FIR at once after an coincidence.
✔ Inform your insurer as quickly as viable.
✔ Take images and acquire proof on the twist of fate scene.
✔ File a case with MACT to say repayment.
✔ Keep all required files prepared for faster declare processing.
✔ Be affected person, as 0.33-party claims may also take time to resolve.
Common Mistakes to Avoid
🚫 Not filing an FIR: Without an FIR, the insurer might also reject your declare.
🚫 Delaying claim intimation: Always document the accident on your insurer without delay.
🚫 Repairing the car earlier than inspection: Wait for the coverage employer’s approval.
🚫 Not gathering evidence: Photos, motion pictures, and eyewitness statements can support your claim.
Conclusion
Filing a third-birthday party coverage claim may additionally seem complicated, but following the proper steps could make the process smoother. From submitting an FIR to submitting a declare in MACT, each step is essential for a successful claim agreement.
If you are concerned in an twist of fate, stay calm, act responsibly, and comply with the legal procedure. Your third-party insurance is there to shield you, supplied you follow the right process.
👉 Need help with your insurance claim? Contact us for expert guidance! 🚀
For a comprehensive understanding of how to claim third-party car insurance in India, you can refer to the Insurance Regulatory and Development Authority of India’s (IRDAI) official guidelines: