When I am at fault in a motor vehicle accident, my insurance company is liable to pay for my expenses as well as any third party claims. Third party claim relate to any medical expenses and damage to property of other people who were involved in the accident.
But what happens with insurance claims not my fault? In this case, I am the third party and need to claim from the insurance provider of the person who caused the accident.
Entering third party claims can however be a frustrating and time consuming process. Follow these tips to ensure that you get what you deserve quickly and efficiently.
1. Get The Details
Before you leave the scene of the accident, make sure that you get the other party’s contact information, physical address and insurance details. It is also advisable to get contact details and statements from any witnesses to the accident.
Take photos of the scene if you can or mark the road as to where the vehicles stood after the accident. Write down your own statement as soon as possible while the details are still fresh in your mind.
2. Medical Treatment
If you were injured in the accident, get treatment as soon as possible in an emergency room or consult your personal doctor. Keep in mind that some injuries may not be immediately apparent to you and consulting a medical professional quickly could help identify any latent or residual injuries.
Keep copies of all medical reports and bills to submit to the insurance company when you claim. Make sure that only injuries or medical conditions related to the injuries are listed to speed up the claim process.
3. A Case Number
While it is up to the driver responsible for the accident to report it to the police as well as their insurance provider, this doesn’t always happen. You may need to contact their insurer to enter insurance claims not my fault. You will receive a case number from the police that will be necessary for you to claim from the insurance provider.
4. An Estimate
If your car or any other property was damaged during the accident, get a comprehensive estimate for the likely repairs or replacement cost of the vehicle as soon as possible. These will also need to be submitted to the insurer. Some insurance providers have an approved list of mechanics or other service providers that must be used to get an estimate. Make sure to use one of these preferred providers for a repair or replacement estimate.
5. Limits And Restrictions
Be aware that third party insurance claims may be limited or restricted in some ways. An insurer may therefore not cover the full costs of your medical treatment or damages to property. The insurer may also not pay a claim in the event that the policy holder has not paid the necessary deductible.
You should be able to claim from your own insurance provider for the difference or claim directly from the driver who was at fault for the full amount if the deductible was not paid.