Third-Party Insurance Claim in Car Accident

Car accidents are commonly seen on the roads. There are a variety of events that can be the underlying reasons for these accidents. Sometimes it is because of the sudden problem occurrence in the car or sometimes people do it while being running short of time. The loss can be on both the ends whether of property damage, physical or medical damage. But a thing that not many people know about is the third party policy that can be used on behalf of insured to facilitate the damaged party.
Following are the ways you can claim third party car insurance claims.

Insurance Policy

Those long insurance policies which sometimes people do not put the effort to read completely has the third party insurance clause as required by the law. Its amount is paid by you and you can make use of it whenever it is necessary. Although, the amount of the damage is up to a certain limit that is born by the insurer or is in the agreement. As per the technicalities, there are three types of insurances that are part of the insurance agreement, own damages, personal accidents and third party insurance.

Beneficiary of Insurance

The beneficiary of the third party insurance is the third party to whom you cause the damages. The insurance policy which you hold as the insured person facilitates the claims of the third party to whom you caused the damages. The damages can be related to the property loss, earning loss, medical expenses or even in case of death you have to bear the expenses of dead's family. All of this is done from the insurance amount according to the limit it has. Third-party car accidents claimed by the help of experts.

Inspection of Damages

The process of claiming the damages require the third party to provide all the evidence as supporting material. These evidence in case of car accidents include original bills from an authorized workshop (mentioned in the list approved at the time of insurance agreement), surveyor's report and motor vehicle inspection report. These are all the documentation evidence that is used to quantify the amount of claim done by the third party.

Repair Claims

When you have all the documents ready to support your insurance claim, you can claim the insurance. But you must get the contact details of the person who hit your car and cause damages. You will only be able to claim if you will know who the person was. And in case you hit someone on the road you should tell them about the workshops he or she can go for the repair of their car as agreed in the insurance policy.

Above mentioned are all the ways you can use third party insurance claim to get the damages claimed. Although there is an only certain type of damages you can claim in the insurance but most of the time car insurance is one of them.