Third Party Insurance Claims Explained

What is a Third Party Insurance Claim?

When Do You Need to Make a Third Party Claim?

• You were not at fault for the accident. If you believe you were not responsible for causing the accident, you can claim from the other driver's insurer. Establishing fault involves examining evidence such as witness statements, police reports, and any dashcam footage.
• The other driver has valid insurance. For a successful third party insurance claim, the person who caused the accident must have valid insurance coverage. This insurance will be used to cover for your losses.

You were not at fault for the accident

The other driver has valid insurance

Why Choose Auto Claims Assist for Your Third Party Claim?

We handle everything from start to finish

We ensure you get the best outcome for your claim

Understanding Fault in a Car Accident

How fault is determined

• Road traffic regulation: Did either driver violate any road traffic regulations?
• Witness statements: What did eyewitnesses see and hear?
• Police reports: Did the police file a report, and what were their findings?
• Evidence from the scene: Are there skid marks, debris patterns, or other physical evidence that indicates how the accident happened?
• Vehicle damage: Is the damage to the vehicles consistent with the drivers' accounts of the accident?

The importance of evidence

• Photos and videos: Take pictures of the accident scene, vehicle damage, and any visible injuries.
• Police report: If the police responded to the accident, obtain a copy of their report.
• Witness contact information: Get the names and contact details of any witnesses.
• Dashcam footage: If you have a dashcam, the footage can be invaluable evidence.

The Third Party Claims Process

• Starting Your Claim: Simply contact us, and we'll gather the accident details. You'll be assigned a dedicated claims handler who will be your personal guide throughout the process.
• Comparable Vehicle: We'll provide you with a replacement car that matches your vehicle's size and specifications so your daily life isn't disrupted.
• Repair or Total Loss: Our trusted network of BSI-accredited repair shops will handle your vehicle's repairs. If your vehicle is deemed a total loss, we'll ensure you receive a fair settlement figure.
• Costs Covered by the Third Party Insurer: There's no out-of-pocket expense for you. We'll handle all communication with the other party's insurer and ensure they cover all costs associated with the claim.

Should You Handle the Claim Yourself?

Auto Claims Assist vs. Handling Yourself

The benefits of choosing Auto Claims Assist

• No Excess: You won't have to pay any excess payment.
• No Claims Bonus Protected: Your no-claims bonus remains intact, saving you money on future premiums.
• Comparable Replacement: We provide a replacement vehicle that's comparable to your own, minimising disruption to your routine.
• Quality Repairs: We use only manufacturer-approved parts for repairs, ensuring your vehicle is restored to its pre-accident condition.
• Personal Guidance: Your dedicated claims handler is with you every step of the way, offering personalised support and expertise.
• Strong Advocacy: We fight for your liability and ensure you're not unfairly held responsible for the accident.
• Fair Settlement: If your vehicle is a total loss, we'll negotiate for a fair write-off valuation that reflects its true value.

What If the Other Driver Isn't Insured?