Who can file a Third Party Claim?

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Who can file a Third Party Claim?
An application for a Third Party claim can be made by the following:-

  • Any person, who has sustained injury – If a person has sustained any bodily injury due to an accident, he/she can file a Third Party Claim against the owner of the vehicle i.e. the insured.
  • An agent duly authorized by the injured person -- If a person has sustained any injury due to an accident, the duly authorized agent of the injured person can also file a Third Party Claim on his/her behalf.
  • The owner of the property, which has suffered damage – If a person’s property has been damaged due to a car accident, the owner of the property can file a Third Party Claim against the owner of the vehicle.
  • The legal representative of the deceased – In case of an accident that causes loss of life,  the legal representative of the deceased can file for a Third Party Claim on his/her behalf.


Accident victims, who are below 18 years of age, cannot file for compensation themselves; they have to go through their advocates. The application has to be made before the Motor Accidental Claims Tribunal and no civil court has the power to entertain any question relating to any claim for compensation.
The claimant has to prove rash and negligent driving on the part of the respondent in order to be entitled for compensation.
In case of an accident resulting in any Third Party injury, death or property damage, it is the insured’s duty to immediately report the incident to the insurance company and subsequently provide all necessary details like Driving License, RC Copy of the Vehicle and policy details to expedite the process of claim settlement.
Documents required for Third Party Claims: For Third Party Claims, the following documents are required by the insurance company:-
o   Claim form duly signed
o   Police FIR copy
o   Driving license copy
o   Policy copy
o   RC copy of the vehicle

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