Is Fir necessary for third party insurance?

Asked by: Neha Bailey  |  Last update: January 18, 2023
Score: 4.4/5 (70 votes)

Procedure for raising a third party insurance claim
To keep yourself safe from further falling into any legal trouble, it is always advisable to It is required you file an FIR to support your third party claim (in case it may arise out of the incident).

Do you need a police report to file an insurance claim in India?

Without an FIR, no insurance company will entertain your claim and without informing a cop, no FIR will be issued. Therefore, you must obtain your FIR copy at the earliest. Absence of vital information Usually after an accident, most people are busy getting the details such as driver's name, his license, etc.

How do I make a third party claim?

The long procedure of claiming third party insurance starts with registering an FIR in a nearby police station followed by collecting a charge sheet. After that Motor Accident Claims Tribunal, a special court, registers a case, as Civil courts can't make a judgement on road accidents or decide a compensation claim.

Is FIR necessary for insurance claim?

FIR is required in case of theft, road accidents or fire. You may not require an FIR if it is for minor dents and scratches. And you will require it when a third party is involved in the accident.

How third party insurance works in an accident?

Third party insurance covers your accidental legal liabilities arising due to damaging a third party property or vehicle. It also covers your legal liabilities if an accident caused by you results in a third party person's disability or death.

Car insurance explained - Third party, fire and theft Insurance

18 related questions found

Is FIR required for bike insurance claim?

In case you get met with an accident or get your two-wheeler stolen, you should immediately inform your insurance provider about the incident and lodge a First Information Report (FIR) at the police station. After that you should collect the following details to make a claim request: Policy number.

What documents are required for insurance claim?

Documents required for filing a motor insurance claim
  • In case of an Accident. Duly filled and signed claim form. Tax receipt. Copy of the insurance policy. Copy the vehicle's registration certificate (RC) ...
  • In case of Theft. Original insurance policy document. Tax payment receipt. Registration book in original.

Can car insurance be claimed without accident?

No Proof of Accident

If you want to file your car insurance claim, you must take photographs of the damages and the injuries caused due to the accident.

How do I claim insurance if someone hit my car?

Call the Police and File an FIR

Besides, most motor insurance providers require policyholders to submit the copy of the Police FIR to raise a third party car insurance claim. So you might need to submit the FIR copy to the offender's insurance provider.

Do car insurance companies check CCTV?

Absolutely! It is the insurance adjuster's job to find evidence to deny or minimize claims. The adjuster will explore every avenue available in order to do that with your claim.

What happens if third party is not insured?

The impact on your car insurance

on your own policy, as long as you have comprehensive insurance. If you've got third party only or third party, fire and theft car insurance, you can't claim for your damages. You'll have to pay an excess fee and potentially lose your no claims bonus.

What is third party insurance?

Third-party insurance is the basic insurance cover that takes care only of third-party damages. The recipient of the claim is not the policyholder but another person or vehicle affected by the first party's insured car.

How do I claim insurance on a bumper damage?

How to Claim Car Insurance for Own-Damage?
  1. Inform Your Insurer. You must inform your insurance company about the accident as soon as it occurs. ...
  2. File an FIR. File the First Information Report (FIR) at your nearest police station as soon as possible. ...
  3. Evaluate the Status of Damage. ...
  4. Claim Settlement.

What is the process of claiming insurance?

The claimant must submit the written intimation as soon as possible to enable the insurance company to initiate the claim processing. The claim intimation should consist of basic information such as policy number, name of the insured, date of death, cause of death, place of death, name of the claimant.

What are the documents required for bike insurance claim?

Make sure that you have the following documents/information handy:
  • Proof of Two-wheeler Insurance / Copy of Cover Note.
  • Copy of Bike's RC, and original tax receipts for verification.
  • Police FIR report while reporting a third-party death, damage and bodily injuries.
  • Copy of your original driving license.

What is 3rd party insurance for bike?

The third-party bike insurance covers your financial liability for the damages caused to a person, vehicle, or property by your insured two-wheeler. As it can be a huge financial obligation to cover all these costs from your pocket.

How do I claim insurance after a bike accident?

Following documents are required to claim Bike Insurance:
  1. Insurance claim form.
  2. RC copy of the bike.
  3. Tax payment receipt copy of the bike.
  4. Driving license.
  5. Insurance policy documents.
  6. FIR copy in case of third-party bike damage, injury to third party or death.
  7. Repair bills and receipts.

Can we claim insurance for car scratches?

Yes, you can claim insurance for car scratches and dents in India. However, it is advisable not to do so as it may become an expensive deal for your future motor insurance premiums.

Is painting covered under car insurance?

Various factors go into deciding whether you can or should claim insurance on your car body/paint repairs namely: Extent of damage: as a thumb rule, consider insurance claims only if repair and painting is needed for more than 2 body panels (or Rs 6000+ in repair charges)

Can you file a police report days after an accident in India?

While in case of any minor child/children of the victim(s) of the accident, the notification said the IO shall provide blank Form-VIA to the victim(s), who shall fill up the relevant information/attach the relevant documents and submit the same to the investigating officer within 60 days of the accident.

What type of damage is not covered by third party insurance?

Damage to your own vehicle. Damage to someone else's vehicle. Personal injury.

Is personal accident cover mandatory?

Ans: Yes, as per the India Motor Tariff 2002, it is mandatory to purchase a personal accident cover. The car owner car can purchase this policy with third-party liability cover as well.

Who covers third party insurance?

Third party car insurance is the minimum level of cover you can take out for your vehicle. The policy covers you if you injure a third party or damage their property while driving. This includes the passengers in your car and any injuries they may sustain.

Is driving without insurance a criminal offence?

Will I get a criminal record for driving without car insurance? As driving without insurance is not an imprisonable offence, if you are found to be driving without insurance it will not be added to your criminal record.

What's the punishment for driving without insurance?

The court's adopt a very strict stance towards motorists charged with driving without insurance and it is considered a strict liability in that you either had valid insurance at the time of driving or you didn't. The penalty for this offence is between 6 – 8 penalty points in addition to a fine.