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We're here to help you find the perfect insurance plan. our team will get in touch. Health Insurance Travel Insurance Motor Insurance Home Insurance Lifestyle Insurance

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We're here to help you find the perfect insurance plan. our team will get in touch. Health Insurance Travel Insurance Motor Insurance Home Insurance Lifestyle Insurance

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Thank you for your interest!

Our team will contact you shortly to provide personalized assistance with your insurance plan. Table of Content What is FIR and Understanding Third-Party Insurance?

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Expert Note

This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.

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Expert Note

This information is based on standard motor insurance guidelines issued by the Insurance Regulatory and Development Authority of India (IRDAI) and commonly followed industry practices. Policy coverage and conditions may vary by insurer.

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What Happens If You Only Have Third Party Insurance During a Major Accident?

14 Aug 2026

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Is FIR Required For A Third Party Insurance Claim

10 April 2026

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What is the Claim Process for Third Party Car Insurance?

2. Submit copies of the driving licence, RC book, FIR and Insurance policy. 3. The victim or their family members may file a claim with the Motor Accident Claims Tribunal (MACT).

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Second paragraph40 words

Procedure to File an FIR for a Third-Party Insurance Claim

1. After the crash, go to the closest police station right away. 2. Give correct information about the accident and the car. 3. Send in the necessary car insurance documents, such as a copy of the policy and the RC.

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Bodily Injury or Death

1. No upper limit for compensation.

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Second paragraph32 words

When is FIR Required for Third Party Insurance Claims?

1. Injury or death of any person 2. Hit-and-run incidents 3. Significant third-party vehicle damage 4. Disputed fault between drivers 5. Claims filed in the Motor Accident Claims Tribunal

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Property Damage

1. The maximum compensation limit is up to ₹7.5 lakhs, as per regulatory norms. 2. It covers damages to another vehicle, building and public property.

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Second paragraph32 words

When is FIR Required for Third Party Insurance Claims?

1. Injury or death of any person 2. Hit-and-run incidents 3. Significant third-party vehicle damage 4. Disputed fault between drivers 5. Claims filed in the Motor Accident Claims Tribunal

First paragraph30 words

What is Covered by Third Party Insurance?

1. Compensation for death, medical expenses arising due to permanent disability or bodily injury. (Note: No upper limit for the death or bodily injury claims according to the regulatory norms)

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Second paragraph32 words

When is FIR Required for Third Party Insurance Claims?

1. Injury or death of any person 2. Hit-and-run incidents 3. Significant third-party vehicle damage 4. Disputed fault between drivers 5. Claims filed in the Motor Accident Claims Tribunal

First paragraph28 words

Bodily Injury or Death

2. The Motor Accident Claims Tribunal (MACT) determines the amount based on disability percentage, dependency and impact on livelihood. It can also run to several lakhs or crores.

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Second paragraph32 words

When is FIR Required for Third Party Insurance Claims?

1. Injury or death of any person 2. Hit-and-run incidents 3. Significant third-party vehicle damage 4. Disputed fault between drivers 5. Claims filed in the Motor Accident Claims Tribunal

First paragraph37 words

What Happens in a Major Accident With Only Third Party Insurance?

Here's what happens: 1. The insurer will compensate the third party for death, injury and permanent disability. 2. If the injury is serious or fatal, the matter may be referred to the Motor Accident Claims Tribunal (MACT).

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Second paragraph32 words

When is FIR Required for Third Party Insurance Claims?

1. Injury or death of any person 2. Hit-and-run incidents 3. Significant third-party vehicle damage 4. Disputed fault between drivers 5. Claims filed in the Motor Accident Claims Tribunal

First paragraph37 words

What is Covered by Third Party Insurance?

2. Compensation for legal defence costs, tribunal representation and court proceedings. (Note: Insurer will manage the settlement process and legal formalities) 3. Damage to another vehicle, public or private property. (Note: Maximum cap of ₹7.5 lakhs)

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Second paragraph32 words

When is FIR Required for Third Party Insurance Claims?

1. Injury or death of any person 2. Hit-and-run incidents 3. Significant third-party vehicle damage 4. Disputed fault between drivers 5. Claims filed in the Motor Accident Claims Tribunal