As an industry practice, an insurer will not act on your behalf to file a third party claim.
Therefore, you are encouraged to lodge damage claim under your own policy. After you have been indemnified, your insurer will commence recovery against the other driver’s insurer if it can be proven that the driver is fully liable for the accident. Your insurer will not dock your No Claim Discount at next renewal if recovery is successful.
The GIA can only assist claimants by providing guidance and instructions on what they can do or where they can seek recourse under such circumstances. We do not provide mediation services between consumers and our member companies. Instead, claimants should approach the insurer concerned directly, or the Financial Industry Disputes Resolution Centre Ltd (FIDReC).
High third party claim costs could be due to one of the following reasons:
Generally, third-party damage claims are settled within six months. For more complex cases, insurers will need more time for investigations.
You can assist in speeding up your claim processing by providing the following to the insurer:
You may contact the insurer involved to follow up on the status of your claim. If the processing time exceeds the usual period, it is likely that the insurer is further investigating the case before deciding on your claim.