What is third-party car insurance?

Third-party car insurance is a motor insurance that protects the car owner from any legal liability for damages or injuries caused to others in an accident.

Is it mandatory to have third-party insurnace?

Yes, it is mandatory to have third-party insurance. Driving without third-party insurance is illegal and can result in fines, penalties, and legal consequences.

What are the benefits of third-part insurnance?

Third-party insurance covers the insured person's legal liabilities in case of death or disability to the third party. it also takes care of any loss or damage to the third party's property.

How long does it take to process a third-party insurance claim?

The process involves filing an FIR, submitting evidence, and waiting for the insurance company's decision.

Is it mandatory to have third-party insurnace?

Yes, it is mandatory to have third-party insurance. Driving without third-party insurance is illegal and can result in fines, penalties, and legal consequences.

What are the benefits of third-part insurnance?

Third-party insurance covers the insured person's legal liabilities in case of death or disability to the third party. it also takes care of any loss or damage to the third party's property.

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What To Do If Your Car Gets Hit: Third-Party Car Insurance

Komal Bajpai

Author

Updated: 28-01-2025 at 6:12 AM

What To Do If Your Car Gets Hit: Third-Party Car Insurance

Third-party car insurance is a type of motor insurance that will protect the car owner from any legal liability that may arise in the event of an accident. It is a type of insurance cover where the insurer offers protection against damage to the third-party vehicle.

Every insurance policy has mandatory third-party insurance coverage as per the Motor Vehicle Act of 1988. If car A hits car B, usually car B files for insurance instead of car A covering the costs. This is because of the lack of awareness about third-party insurance.

According to the Motor Vehicle Act of 1988, third-party insurance is a statutory requirement. The owner of the vehicle is legally liable for any injury or damage caused. If they do not have the money to cover the damage costs, then they can file a claim on their insurance. The insurance will then cover the costs of damage or injury to a third party.

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What Is Covered Under Third-Party Car Insurance?

Third-party car insurance usually covers the following damages or injuries:

Any bodily injury
Any damage to the property
Covers legal costs in case the insured driver is being sued
Death benefits

What Isn’t Covered Third-Party Car Insurance?

Third-party car insurance doesn’t cover the damages in the following instances:

If the insured’s car gets into an accident due to drunk driving.
If the insurer has been caught driving drunk or without a licence.

Benefits Of Third-Party Car Insurance

Third-party car insurance is beneficial in several aspects, which are listed below.

Provides legal coverage and financial assistance: The owner of the vehicle’s insurance will handle the financial burden.
Peace of mind: People will be able to deal with the traumatic situation rather than constantly thinking about the financial payments.
Fast and easy process: Third-party car insurance is easily accessible and renewable. You can obtain it by searching for third-party car insurance online.
Affordable premiums: Third-party car insurance is comparatively cheaper than other insurance as it only covers the damage costs of other people and their property.
Legal liability protection: The insurance will help one cover all legal costs and settlements if the other party decides to sue the offender.
If the police ask, provide details of your insurance company and note the FIR number if there is one. If the accident wasn’t your fault, you can claim for vehicle hire, repair costs, and injury compensation.

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Steps To Claim Third-Party Car Insurance

Follow the steps given below to learn how you can claim your third-party car insurance.

File an FIR.
Obtain the third-party motor insurance details of the car owner.
Notify the insurance company.
Submit evidence to support the claim.
The insurance company will start an investigation to evaluate and assess the extent of the damages.
Wait for the response of the insurance company to know if the claim will be granted or not.

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Required Documents

Applicants need to submit some documents to apply for the insurance. The list of those documents is as follows:

Proof of identity
Claim form
Policy document
Driving licence of the insured driver
Vehicle registration (for vehicle-related claims)
FIR (in case of accident)

When Can A Person Claim Third-Party Insurance?

Here are the circumstances under which you can claim third-party insurance.

Damage caused to another vehicle
Injury or death of a third party
Damage to the third party’s property
If the vehicle hits a pedestrian
Injury caused to the passenger inside the insurer's car

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What You Can’t Claim Under Third-Party Insurance?

Third-party insurance only protects you from the damages or injuries you cause to other people with your car. Here's what it doesn't cover:

Own Vehicle Damage

Third-party insurance does not cater for damages to the individual's car or any other vehicular property owned by the insured.

Drunk Driving or Without a Licence

The following are some of the situations where claims are denied; if the driver was under the influence when the accident occurred, or did not have a valid licence.

Driving on a learner’s licence

Because of the inherent risks involved, anyone operating a car under a learner’s licence is not allowed to claim an accident.

Hit-and-Run Accidents

Hit-and-run cases are not included under third-party insurance.

Essential Information To Provide To The Insurer

Here are the following details you must provide the insurer:

Description of an accident, along with date and time.
Details of insurance and policyholders present during the accident.
Describe injuries sustained by the driver, passengers, and/or property or vehicle damaged.
Details of witnesses.
Photographs of evidence collected from the accident site.

These are the important details to remember if a person encounters a situation where they have to gain coverage against losses if their car gets damaged or stolen and causes injury, death, or damage.

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What Happens When Someone Hits Your Parked Car?

In case when someone hits your parked car, please ensure to do the following steps mentioned below in detail:

Take photos and videos of the damage caused as evidence which can be used later.
Immediately note the offender’s details so that they can be contacted later.
Find some witnesses to the incident as well and note their details.
Please inform the police and file an FIR immediately.
Contact the insurance company and notify them about whatever happened.

How To Get Damages Covered?

To get the damages covered fairly in cases of someone hitting your parked car, you can do so in two ways:

Offender present: If you have an offender who damaged your car, file for a third-party car insurance claim and get compensated for the damages.
Offender absent: If you cannot find the offender who damaged your car, you can file for a claim under ‘own damage cover’, if you have opted for one. It covers damages that happen due to fire accidents, theft, or natural or manmade disasters.

Conclusion

In conclusion, third-party car insurance provides essential legal and financial protection. It covers the costs of damage and injuries caused to others. It not only offers peace of mind but also promotes a safer and more secure driving experience for everyone.

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