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First documentHow Long After an Accident Can a Third-Party Claim Be Filed in India | Generali CentralOpen original ↗
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Second documentWhat Happens If You Only Have Third Party Insurance During a Major Accident | Generali CentralOpen original ↗
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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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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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How Long After an Accident Can a Third Party Claim Be Filed in India?
10 Sep 2026
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What Happens If You Only Have Third Party Insurance During a Major Accident?
14 Aug 2026
First paragraph79 words
What Is a Third Party Claim in Car Insurance?
A third party claim is compensation sought by a person who suffers injury, death, or property damage because of someone else's vehicle. This is different to an own-damage claim, which is when you claim for damage to your own car. The Motor Vehicles Act, 1988 requires that all registered vehicles in India must have third party car insurance so that victims have a guaranteed source of compensation, irrespective of the personal financial capacity of the at-fault driver.
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Second paragraph47 words
Introduction
The Motor Vehicles Act of 1988 mandates that every car owner in India have a third party car insurance. It's the most basic vehicle insurance policy you can own. If you accidentally damage third-party property or cause injury in an accident, the policy will cover it.