In the case of the accident was not your fault and where the third party refuses to compensate for injury or damage, you may be forced to claim against their insurance third party to obtain compensation. However, claiming another person is third-party car insurance is a little different from claiming compensation for a comprehensive policy on your own. Keeping this in mind, the following article will throw light on the process of claiming a third party to make sure you know exactly what to do when a situation does not arise.
Why not just claim your insurance policy
If you have a comprehensive car insurance policy, you have the option to claim your policy for compensation. However, if the accident was not your fault, it makes no sense to throw every NCBs You have to collect and add your claims history. Third-party insurance is mandatory because in such cases, a third party must cover damages and injuries you incur – which is why you need to claim against their insurance third party, and not against your policy.
So how do you make a claim?
Just like a comprehensive car insurance policy, the first step would be to tell the police and register the FIR. Remember to remain calm and give the appropriate report of the incident to the police. See if you can hold anyone who witnessed the accident and could agree that it is the fault of a third party. Try and have them present when recording a statement.
Find a lawyer
Once you’ve got an FIR registered, you will need to find a lawyer to register the case in Motor Accident Claims Tribunal. This case can be filled in the Court of Claims under whose jurisdiction the accident took place or under whose jurisdiction a plaintiff or defendant resides.
Leaving it to the courts
The court will hear both sides argument. They will review the evidence at hand and listen to the witness statement. Once they arrive at a consensus, the amount of compensation will be declared. third party insurance provider will be liable to pay any court deliberates.
Your other option – subrogation
This is where you approach your insurance provider only if you have comprehensive insurance, and ask them to fight the case for you. If your insurance company receives your request, they will continue to approach the third party insurance company to get compensation for your losses.
So, as you can see, the car third party insurance claims process is a bit different from the normal claims. However, if you know your options and have a rough idea of the process, you will be in a better position to handle things. For more information or clarity about one of the pointers in this article, make sure you contact your insurance provider – they should be able to offer a better explanation of the same.
We hope this article has been helpful, good luck and drive safely!
This article originally appeared on: Headline Insider