The "Patience Game" Every Driver Should Know

Being hit by another driver is stressful. Unlike your own damage claim, a third-party claim involves claiming from the at-fault driver’s insurer. This can take longer due to investigations and liability confirmation. Understanding the process, documents required, and timeline is key to making the experience manageable.

What Is a Third-Party Claim?

A third-party claim is a request for compensation from the other driver’s insurance company for damage to your car. Unlike NFDC, you do not claim under your own policy.

• Advantage: You retain your NCD.

• Disadvantage: Slower process and reliance on the other insurer’s approval.

Step-by-Step Process

1. Collect Evidence at the Scene

• Photos of all vehicles, license plates, and damage

• Road conditions and traffic signs

• Details of the other driver and witnesses

2. File a Police Report

• Within 24 hours for all accidents in Malaysia

• Obtain the report number and officer’s details

3. Submit Claim to the Third-Party Insurer

• Provide police report, vehicle information, repair estimate, and photographs

• Insurer may require additional information to confirm liability

4. Vehicle Assessment

• Insurer may send an assessor or request your preferred workshop

• Approval and settlement may take longer than own damage claims

Common Challenges

• Delayed approval due to liability disputes

• Repair costs may require upfront payment

• Extended waiting times compared to OD or NFDC claims

Tip: If the other party is clearly at fault and you have comprehensive insurance, consider NFDC/OD-KFK to avoid delays (/no-fault-damage-claim-guide).

Avoid delays and get the right protection before your next renewal here.

Drive+ Support

Drive+ membership makes third-party claims easier by providing:

• Step-by-step claim guidance

• Priority support for claim-related questions

• Road tax discounts and loyalty rewards

• Faster communication with insurers

Conclusion

Third-party claims in Malaysia are effective but require patience. Understanding the steps, collecting proper documentation, and using services like Drive+ can help you navigate the process efficiently while protecting your NCD and ensuring timely repairs.

Frequently Asked Questions

1. Who pays in a third-party claim?
   The at-fault driver’s insurer, although you may need to pay repair costs first and claim reimbursement later.

2. Is a police report required?
   Yes. It is essential for establishing liability and supporting the claim.

3. Is this faster than NFDC?
   No. Third-party claims usually take longer due to liability verification and insurer processes.