Claiming from Someone else's Car Insurance Company

In case someone crashes on to you, the simplest thing that you can do is to claim liability insurance. This is referred to as the third party claim. You act as the third party to the insurance company and also the third party. In this case, the insurer of the other party will process your claim. But you have to be patient because in such scenarios the payment processing takes some time. The car insurance company will first try investigating the accident and then find out if their customer was at all at fault.

What happens when you file a claim with the insurance company of another person?

To withhold an insurance policy, most of the states require drivers. These drivers are set in a particular place to compensate for the damages that are caused to the third party. On the other hand, if you are the third party in a particular accident, then you can certainly file a claim with your own car insurance Ireland. This claim process will be much faster. Your insurance company will then employ a subrogation because this is the legal right of the insurer to claim for the damages and the losses that have been caused to the third party. This is the amount that is included under deductibles and has been paid by the accident victim.

Why do you file a third-party claim?

If you file a claim against the insurance company of someone elsewhere you are not the actual policyholder then you are certainly the third party for that insurance company. There are a total of about 4 scenarios where you file such a claim. These include:

• Cases where you are a passenger and you, unfortunately, get injured in a car accident. In such a case, you can file a claim in the insurance company of the driver. You do this to get compensation for the lost wages, other damages and also for the medical treatment.
• In the unfortunate scenario where you have been hit by another car driver and it is not at all your fault. In this case, also you can claim compensation from the car insurance Ireland, of the driver.
• In a circumstance when you were driving in a company vehicle for work and you, unfortunately, meet with an accident. There are special insurance policies that these companies have. All that you will have to do is to notify your company about the accident and they will make arrangements and make sure that your claims are paid.
• Even in a case where you were driving your vehicle but the purpose of travelling was work. In such a case also, you will simply have to give a call to your employer and the employer's insurance company will compensate you for the losses and the medical expenses.

Here are some details about the process of filing a claim

You need to understand the process of filing a claim. To know this you will first have to get a clear understanding of how does the third party insurance work? The first thing that you will have to get is the name of the insured and also the policy number of the other driver involved in the accident. With these details, you can get in touch with the insurance company yourself. But make sure that you get in touch immediately. If you delay then there are chances that your claim might be delayed.

You have to work with a claims representative who will guide you through the entire process. To ensure that the claim is successful, you will first have to give a verbal notice and then it has to be followed by a written claim. A good car insurance company will certainly help you to get your claim processed without delay