File an insurance claim Against other drivers-; An insurance claim can be either a first-party claim or a third-party claim. Going into detail, a first-party claim means when you buy the insurance from your own insurance company. Everybody buys insurance policies that are first-party coverage.
Third-party coverage means when you get hit by someone else’s vehicle, and they have got their own insurance.
So, a third party insurance claim is when you file against the insurance policy that covers an at-fault person or driver.
It means you can file a claim against another driver’s insurance company in a car accident.
In the same way, if you get injured in someone’s home, you can file a third-party claim against that house owner’s insurance.
Besides, A third-party claim can cover medical expenses, and sometimes it also pays money for the property damage and death of the person.
As a result, filing a third party insurance claim for a car is the superior option for avoiding damages and losses.
Points to be considered while filing an insurance claim against other drivers
- When you are filing a claim with the other driver’s insurance company, then there is no need to pay any deductible. But if you are filing with travels then you need to pay some deductible.
- The car insurance company will provide you with an alternative vehicle or a rental vehicle while your vehicle is being repaired.
- The opposite companies won’t agree with your point that the other driver is at-fault 100%. So, they only pay for some sort of damage.
How to file an insurance claim against other drivers?
If you know the information about the insurance policy of the other person who was involved in the accident.
Then you can directly contact the other insurance company to file the claim and know the car insurance claim process.
These days many insurance companies offer online claiming reports also.
A third-party claim can get coverage for medical expenses and sometimes even lost wages.
If you are in a no-fault state and the accident was at least partially the other driver’s fault, then only you are eligible to file a third-party claim against another driver’s insurance company.
Keep in mind that a fatal mistake may sometimes cause the rejection of your claim.
If you submit a claim, the other insurance company will usually handle the payout if they judge that the insurance is entirely responsible for the injuries or losses.
Requirements For claiming a third-party claim:
- The strong supporting pieces of evidence, which ensures that the accident is not your fault.
- Try to collect the CCTV Footage from the place of the accident.
- Record statements from the people who witnessed the accident.
- Try to get the information about another person’s insurance policy.
- Proper time and date of accident also need to be recorded.
- Report the accident to the local police station.
However, you are not the customer of the other insurance company, and you haven’t paid even a single penny to them.
So, receiving the payments through a third-party claim is a bit slower process compared to filing insurance with our own company.
Damages that can be recovered under the third-party insurance claim
- Medical expenses
- You can also get your hospital bills paid
- You can get coverage for property damage
- Some insurance companies even provide an alternative vehicle or rental vehicle when your vehicle is under repair.
- Lost wages recovery
- Punitive damages
- Sometimes you can also get additional coverage for pain and suffering.
- If you got a major injury or property damage, then a third-party insurance company will pay for that also.
- Third-party car insurance can also be referred to as legal Liability.
Exclusion of third parties’ insurance claim
There are still some exemptions in third parties’ insurance claims that are:
- Accident happened due to drunk and drive
- If the driver doesn’t have any valid driving license
- If the driver is underaged
- If the vehicle is used for any illegal activities
- When the vehicle gets stolen
As a result, third-party insurance cannot be used to sue other drivers for the reasons stated above. So be cautious while filing a claim to avoid it being rejected.
What documents do I need to file a car insurance claim?
To file an insurance claim, you’ll need the following documents:
Damages or losses photographs
All of the relevant car documentation, including a copy of your insurance policy and your driver’s licence
Medical bills or records
If there is any CCTV footage
The total cost of all expenses
What should you do if someone makes a insurance car claim against you?
If you are looking for the answer to car insurance claims not my fault. Then you must discover who else is to blame for the accident or damages and file an insurance claim against them. As a result, they will be responsible for the specific accident insurance claim amount.
How to claim insurance when someone hits my car?
You must have a valid reason or evidence of an accident. Then make a police FIR or call the cops. You can then submit a at fault accident claim insurance.
How do you file an insurance claim after an accident?
If you caused the accident, you may be required to submit first-party insurance. If, on the other hand, another driver is at fault, you may make a third-party insurance claim.
Is it necessary to call the police after a car accident?
To be on the safe side of the accident, you must file a FIR or call the cops.
What should I do if my insurance claims against other drivers are denied?
If your insurance is denied, you can file a complaint with the IRDAI, which will investigate the situation and reissue the policy.
To summarise, you can simply file a claim against other drivers if you have convincing proof that the driver is solely liable for the damages or losses.
Aside from that, there is a specific criteria for claiming insurance, which you may find above. Get to the information above, and then file a third party insurance claim property damage only after you have all of the facts.