{"id":1852,"date":"2022-08-29T12:27:34","date_gmt":"2022-08-29T06:57:34","guid":{"rendered":"https:\/\/www.insurancesamadhan.com\/blog\/?p=1852"},"modified":"2022-11-17T10:17:39","modified_gmt":"2022-11-17T04:47:39","slug":"a-complete-guide-to-third-party-car-insurance","status":"publish","type":"post","link":"http:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/","title":{"rendered":"A Complete Guide to Third Party Car Insurance"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/#What_is_third-party_car_insurance\" >What is third-party car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/#Is_it_mandatory_to_take_third-party_insurance\" >Is it mandatory to take third-party insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/#What_is_covered_in_third-party_insurance\" >What is covered in third-party insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/#Benefits_of_third-party_car_insurance\" >Benefits of third-party car insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/#How_to_claim_third-party_car_insurance\" >How to claim third-party car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/#Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\" >Click on the below links to read some cases resolved by Insurance Samadhan:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_third-party_car_insurance\"><\/span><strong>What is third-party car insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Third-party car insurance is a type of <a href=\"https:\/\/www.insurancesamadhan.com\/blog\/dos-and-donts-while-filing-a-motor-insurance-claim\/\">motor insurance<\/a> cover that protects you from third-party liabilities. A third-party insurance policy provides coverage to the vehicle owner for damage to any person other than the policyholder and the insurance company. The damage includes damage to the third party\u2019s vehicle, property, physical injury, disability, or death.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-1856\" src=\"https:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Complete-Guide-to-Third-Party-Car-Insurance.jpg\" alt=\"A Complete Guide to Third Party Car Insurance \" width=\"1920\" height=\"1080\" srcset=\"http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Complete-Guide-to-Third-Party-Car-Insurance.jpg 1920w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Complete-Guide-to-Third-Party-Car-Insurance-300x169.jpg 300w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Complete-Guide-to-Third-Party-Car-Insurance-1024x576.jpg 1024w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Complete-Guide-to-Third-Party-Car-Insurance-150x84.jpg 150w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Complete-Guide-to-Third-Party-Car-Insurance-768x432.jpg 768w, http:\/\/www.insurancesamadhan.com\/blog\/wp-content\/uploads\/2022\/08\/A-Complete-Guide-to-Third-Party-Car-Insurance-1536x864.jpg 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_it_mandatory_to_take_third-party_insurance\"><\/span><strong>Is it mandatory to take third-party insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In India, we hear a lot of cases of road accidents reported in the newspapers. Due to this reason, the Motor Vehicles Act of India, 1988, mandates all vehicle owners to take third-party liability insurance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_covered_in_third-party_insurance\"><\/span><strong>What is covered in third-party insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When an insured car owner causes an accident, it is his responsibility to pay for the damages to the third person. Third-party car insurance provides coverage for third-party liability. The third-party liabilities arising out of:<\/p>\n<ol>\n<li><strong>Property Damage: <\/strong>If the insured car owner accidentally rams a vehicle into someone\u2019s property, then the insurance company will pay for the damage to that person up to Rs. 7.5 lakh.<\/li>\n<li><strong>Bodily Injuries: <\/strong>Accidental bodily injuries or disability to the third person will be compensated by the insurance company. The amount will be decided by the Motor Vehicle Tribunal after assessment of the loss<\/li>\n<li><strong>Accidental Death: <\/strong>If a person dies due to a road accident caused by the insured car, then the car owner will be responsible for such death and the insurance company will pay the claim amount to the family of the deceased.<\/li>\n<\/ol>\n<p><strong>What is not covered in third-party insurance?<\/strong><\/p>\n<p>Common exclusions of the third-party car insurance are given below:<\/p>\n<ol>\n<li><strong>Drunk Driving<\/strong>: When the car owner is under the influence of alcohol or drugs.<\/li>\n<li><strong>Own Damage<\/strong>: Only damages to the third party are covered and damages to the policyholder are not covered in this cover.<\/li>\n<li><strong>Invalid Driving License<\/strong>: If the driver of the insured vehicle has an invalid driving license or does not have a license, then the company is not liable to make claims.<\/li>\n<li><strong>Unauthorized Usage<\/strong>: Illegal activities, racing, or any other unauthorized usage of the vehicle will not be covered by third-party insurance.<\/li>\n<li><strong>Deliberate Attempt<\/strong>: When the driver of an insured vehicle deliberately attempts to harm a third person, then the company will not compensate.<\/li>\n<\/ol>\n<p>These are some of the general exclusions of third-party cover. You must read your policy document to know all the exclusions of that insurance company\u2019s policy.<\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_third-party_car_insurance\"><\/span><strong>Benefits of third-party car insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Financial assistance:<\/strong> The cover protects you financially as it covers the damages to the third party (bodily injury, disability, or death) as well as damages to the property of the third party caused by the use of the insured\u2019s vehicle.<\/li>\n<li><strong>Easily available<\/strong>: Since it is mandatory to buy third-party insurance, it is easily available and easy to buy and renew.<\/li>\n<li><strong>Fulfills the legal mandates:<\/strong> By buying a third-party insurance cover, you will be complying with the requirements of the Motor Vehicles Act.<\/li>\n<li><strong>Cost-effective:<\/strong> Premium is highly affordable.<\/li>\n<li><strong>No more stress: <\/strong>It gives you a stress-free driving experience as it indemnifies you for the damages to the third party caused by or arising out of the use of the insured\u2019s vehicle.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How_to_claim_third-party_car_insurance\"><\/span><strong>How to claim third-party car insurance?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you have accidentally damaged someone else\u2019s vehicle or property or caused someone to die or suffered a bodily injury, the matter can be settled by following the third-party claim process given below:<\/p>\n<p><strong>Lodge an FIR<\/strong><\/p>\n<p>The legal heir of the deceased or the victim himself needs to lodge an FIR with the police, furnishing the required details. They will obtain a charge sheet from the police.<\/p>\n<p>They must remember to have the charge sheet and original records of the expenses.<\/p>\n<p><strong>Approach the Motor Accident Claim Tribunal (MACT)<\/strong><\/p>\n<p>All the third-party claims are settled in a Motor Accident Claim Tribunal. The third-party must register the case with MACT, who will then finalize the claim amount. If there is a claim, then:<\/p>\n<p><strong>Notify the insurance company about the accident<\/strong><\/p>\n<p>The insured need to notify the insurance company, without notifying the insurer, the claim cannot be indemnified. The insurer may fully be compensated for the amount decided in the court verdict subject to a maximum of Rs. 7.5 lakh in case of property damage.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Why is it called 3rd party insurance?<\/strong><\/p>\n<p>The beneficiary of the policy is someone who is not involved in the insurance contract (the insurance company and the vehicle owner). They can be anyone other than the two parties in the contract. The benefits of the policy are given to the third party and not to the insured.<\/p>\n<p><strong>Does 3rd party insurance cover my car?<\/strong><\/p>\n<p>The owner of any vehicle, who has registered it with the RTA in India can buy third-party insurance.<\/p>\n<p>Go ahead and buy third-party insurance.<\/p>\n<p>If you face any insurance-related problems, you can contact Insurance Samadhan. We have helped 14,500+ people in resolving complaints related to insurance. Contact us to get samadhan for your insurance-related issues. We are always available to help you out.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Click_on_the_below_links_to_read_some_cases_resolved_by_Insurance_Samadhan\"><\/span>Click on the below links to read some cases resolved by Insurance Samadhan:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/cashless-claims-in-health-insurance\/\">Cashless claim rejection<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/a-guide-for-a-life-insurance-lapsed-policy\/\">Mis-selling in a life insurance policy<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/blog\/how-to-deal-with-health-insurance-claim-rejection\/\">Health Claim Rejection<\/a><\/p>\n<div>\n<div class=\"centered-text-area\">\n<div class=\"centered-text\">\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\">Click here<\/a>\u00a0to register your case with us<\/p>\n<p>You can also<\/p>\n<p>Visit our website:\u00a0<a href=\"https:\/\/www.insurancesamadhan.com\/\">insurancesamadhan.com<\/a><\/p>\n<p>Call us on +91 9513631312<\/p>\n<p>WhatsApp:\u00a0<a href=\"https:\/\/api.whatsapp.com\/send?phone=+919910998252&amp;text=Hi\">\u00a09910998252<\/a><\/p>\n<p>Mail us at\u00a0<a href=\"mailto:corporate@insurancesamadhan.com\">corporate@insurancesamadhan.com<\/a><\/p>\n<p><a href=\"https:\/\/www.insurancesamadhan.com\/register?utm_source=organic&amp;utm_medium=blog&amp;utm_campaign=blog_post&amp;utm_term=blog_term\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/stage.insurancesamadhan.com\/assets\/img\/contact.png\" alt=\"Insurance Samadhan\" width=\"500\" height=\"70\" border=\"0\" \/><\/a><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\",\n  \"@type\": \"Article\",\n  \"mainEntityOfPage\": {\n    \"@type\": \"WebPage\",\n    \"@id\": \"https:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/\"\n  },\n  \"headline\": \"A Complete Guide to Third Party Car Insurance\",\n  \"description\": \"Third-party car insurance is an insurance cover that protects you from third-party liabilities. A third-party insurance policy provides coverage to the vehicle owner for damage to any person other than the policyholder and the insurance company. 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Third-party car insurance is a type of motor insurance cover that protects you from third-party liabilities. A third-party insurance policy provides coverage to the vehicle owner for damage to any person other than the policyholder&hellip; <a href=\"http:\/\/www.insurancesamadhan.com\/blog\/a-complete-guide-to-third-party-car-insurance\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1857,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[12],"tags":[126,125,124,123],"class_list":["post-1852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-3rd-party-car-insurance","tag-3rd-party-insurance","tag-third-party-car-insurance","tag-third-party-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>A Complete Guide to Third Party Car 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