Introduction
When someone crashes into your car, the first question is always — “how do I claim insurance?” Many drivers are unsure whether to claim using their own insurance or the other driver’s.
This article helps you understand the third-party claim process, from lodging a police report to getting your car repaired.
What Is a Third-Party Insurance Claim?
A third-party claim means you’re claiming for damages from the insurance company of the person who hit your car.
In this case, you’re the victim (the insured party), while the person at fault is the “third party.”
This is different from an own damage claim, where you use your own insurance even if you weren’t at fault.
Steps to File a Third-Party Claim
- Collect evidence at the scene – take photos/videos of the damage, number plate, and surroundings.
- Make a police report within 24 hours – this determines who’s at fault.
- Send your car to a panel workshop (or BJAK Workshop) for inspection.
- Inform the insurance company and submit all required documents such as your cover note, police report, driving license, IC, and any related receipts.
- Adjuster assessment & investigation – to confirm the claim amount.
- Claim approval & repair/payment – you can check the claim status through the insurer’s portal or directly with the panel workshop.
Required Documents
- Police report
- IC & driving license copy
- Active insurance cover note
- Photos of vehicle damage
- Workshop report or receipts
Tips to Speed Up Your Claim
- Don’t alter or falsify your police report.
- Use authorized panel workshops or BJAK Workshop for faster processing.
- Keep all evidence in digital form — easy to reference later.
- Ensure your NCD and policy information are valid.
Conclusion
A third-party insurance claim isn’t as intimidating as it seems — as long as you follow each step carefully. Make sure your documents are complete, use an authorized panel workshop, and communicate directly with your insurer. If you need help checking your active policy or finding the nearest BJAK panel workshop, contact BJAK via WhatsApp, email, or their customer portal for quick assistance.
Read More:
Can You Renew Early to Save Your NCD?
Impact of Engine Swaps & Modifications on Car Insurance Policies
