Third-party insurance is essential but often misunderstood. While it covers damages you cause to others, many motorists don’t know their rights when claiming against someone else’s policy.
Understanding third-party insurance is essential for policyholders and those claiming from another driver’s policy. Many South Africans are unaware they can seek compensation if their vehicle or property is damaged by an at-fault driver with third-party insurance.
This insurance covers the at-fault driver’s legal liability for damage to another person’s vehicle or property. To claim, liability is determined based on road rules, evidence, and insurer assessments. If another driver is at fault and has third-party insurance, you have the right to claim against their insurer, but specific steps are required to do so:
- Obtain the necessary details
Collect the other driver’s name, contact details, insurance provider information, vehicle make, model, colour, and registration number. - Gather evidence
Take clear photos of the accident scene, showing vehicle damage and any relevant road signs or markings. - Report the accident
File an accident report with the South African Police Service (SAPS) within 24 hours. The case number you receive will be required when submitting a claim. - Lodge the claim promptly
Contact the at-fault driver’s insurer immediately, providing all necessary documentation. Keep a record of all correspondence to monitor progress on your claim.
Motorists should regularly review their insurance to ensure adequate coverage, as 65% of South African drivers are uninsured, making it risky to rely on another person’s policy.
Covering accident costs out of pocket can be financially crippling. Third-party insurance protects you if you cause an accident, and knowing your rights helps you claim against another driver’s policy when needed.
