How to Claim Third Party Car Insurance in India: Step-by-Step Guide

June 16, 2024

Third-Party Insurance is a mandatory cover in India for driving on roads. According to the Motor Vehicle Act, 1988, it is compulsory and helps cover the legal liabilities claimed by a third party against damage arising from the insured vehicle. This mandatory cover includes damages to your vehicle, bodily injury, disability, and death. Understanding the process of how to claim third party car insurance in India is vital for any policyholder.

how to claim third party car insurance in india

Understanding Third-Party Car Insurance

Third-party insurance primarily covers any legal liability that arises when your vehicle causes damage to another vehicle, person, or property. It doesn't cover your own damage, but it does handle third-party property damage up to Rs. 7,50,000. For injuries, disabilities, or death, there’s no upper limit on claims, making it a crucial aspect of car insurance in India.

Filing the Claim: Step by Step

The process of how to claim third party car insurance in India involves several steps:

  • File an FIR: Immediately after an accident, report it to the nearest police station and obtain an FIR.
  • Gather Documentation: Collect necessary documents such as the claim form, a copy of the FIR, the charge sheet, your driving license, your vehicle's registration certificate, and the insurance policy document.
  • Submit Claim: Submit all gathered documents to the insurance company of the at-fault party. They will assess the case and guide you on the next steps.
  • Motor Accident Claims Tribunal: Register the case with the Motor Accident Claims Tribunal, which is responsible for deciding and awarding compensation.

how to claim third party car insurance in india

Coverage and Exclusions

The third-party insurance cover includes:

  • Bodily injuries and treatment costs for the third party.
  • Compensation for disability or death of the third party.
  • Property damage up to Rs. 7,50,000.

However, it does not cover:

  • Any damage to your own vehicle.
  • Accidents caused by drunk driving or driving without a valid license.
  • Incidents involving an authorized driver.

how to claim third party car insurance in india
"car-insurance" by natloans is licensed under CC BY-ND 2.0. To view a copy of this license, visit https://creativecommons.org/licenses/by-nd/2.0/.

Important Considerations

Premiums for third-party insurance are set by the Insurance Regulatory and Development Authority and reviewed annually. Claiming third-party insurance can be a complex and time-consuming process but is essential for scenarios where comprehensive cover isn’t available. Always ensure prompt documentation and transparent reporting to ease the claims process.

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