Third Party Claim: Know Your Rights

Contents =

Introduction

When your car gets hit but it’s clearly not your fault, most people panic. Some call the workshop straight away, others start arguing. But here’s the thing — if it’s not your fault, you have the right to make a third party claim.

The problem is, a lot of people aren’t sure what they can claim, how to handle the process, or what the insurance actually does. Knowing the steps beforehand makes it easier when it happens.

What Is a Third Party Claim

In simple terms, a third party claim means you’re claiming compensation from the insurance company of the driver who caused the accident.

Basically, if the other driver is at fault, their insurance should cover the repair cost for your car — not yours.

You can usually make this kind of claim when:

You’re confident you’re not at fault.
You have solid evidence (photos, police report, etc.).
You don’t want to lose your own NCD discount.

Types of Third Party Claims

There are several types, depending on the kind of damage or loss involved:

Vehicle Damage Claim – to repair or replace damaged car parts.
Personal Injury Claim – if you or your passengers were injured.
Loss of Use Claim – if your car is stuck at the workshop for days, you can claim compensation for the days you couldn’t use it.

Documents You’ll Need

To file a third party claim, prepare the following:

Copy of the police report (showing the other driver is at fault).
Copy of your IC and driving licence.
Vehicle registration card.
Photos of the damage and accident scene.
Repair quotation from a panel workshop.

How to File a Third Party Claim

Lodge a police report within 24 hours.
Send your car to a panel workshop (don’t repair it on your own yet).
Notify the at-fault driver’s insurer.
Wait for the adjuster to inspect your car.
Once approved, the repair will be carried out — no cost to you.

If you’re unsure which insurance company covers the other driver, you can use BJAK to check the vehicle’s insurance info. It’s a quick way to know where to send your claim and save time.