Claim 3rd Party Car Insurance from HDFC ERGO Online: A Step-by-Step Guide

About Third-Party Auto Insurance

A legal motor contract known as third-party auto insurance ensures that the owner of a vehicle is shielded from any unforeseen accidental liabilities resulting from third-party vehicle damage, property damage, bodily harm, and disability. Only offering coverage benefits to third parties due to unintentional harm or injury brought on by the policyholder's vehicle, it protects the policyholder from being held accountable for any monetary losses if someone was physically hurt or killed, or if your car damaged someone else's property.

How to Purchase Online Third-Party Car Insurance

Protecting yourself and your vehicle can be as simple as purchasing third-party car insurance online. Follow these steps:

Visit to learn more. Click on the “Auto” or "Car Insurance" button. Enter your information such as Name, Mobile Number, and Email Id. You will then see all quotes available in your category. Choose insurance based on your needs and budget.

Benefits and Drawbacks of Third-Party Auto Insurance

Pros

With the aid of a third-party insurance policy, the policyholder will be on the safe side and save money in an accident where the insurer damages a third party. If the party in question is sued and does not have third-party insurance, they will be responsible for paying their legal costs.

Cons

Third-party auto insurance would not shield you from the harm done to your car in the event of an accident. If you caused the accident, you are also accountable for paying all necessary repairs.

How to File a Claim with Your Car Insurance for Third Parties

The procedure for filing a claim under your third-party automobile insurance coverage is as follows:

Immediately notify HDFC ERGO of your claim. You can notify the customer service department of your claim by calling or registering it online. Submit a police FIR with the specifics of the claim. The Motor Accidents Claims Tribunal (MACT) handles third-party claims. The claim will be given to the MACT upon filing the FIR. The tribunal will evaluate the claim and decide on the debt you have incurred. Notify HDFC ERGO of the tribunal's ruling and submit the claim form and supporting documentation. HDFC ERGO will evaluate, confirm, and settle the liability on your behalf.

Conclusion

By following these steps, you can easily claim and manage your third-party car insurance from HDFC ERGO online. Protect yourself and your vehicle with peace of mind, knowing you are covered in the event of an accident.