• By Raymond Momanyi

Navigating the Aftermath: Your Guide to Filing a Third-Party Car Insurance Claim in Kenya

Car accidents are, unfortunately, a reality of driving. While we all hope to avoid them, knowing what to do when one occurs can significantly ease the stress and financial burden. If you find yourself in a situation where you're at fault and another person's vehicle or property is damaged, or they've sustained injuries, you'll be leaning on your Third-Party car insurance policy.

In Kenya, Third-Party insurance is the minimum legal requirement, designed specifically to cover costs for the "third party" – the other person involved in the accident, not you or your vehicle. So, how do you navigate this process? Let's break down the essential steps to filing a third-party car insurance claim.

Step 1: Immediate Action at the Accident Scene (Stay Calm, Act Smart)

The moments immediately following an accident are critical.

• Prioritize Safety & Seek Help: First and foremost, check for injuries. If anyone is hurt, call for an ambulance (1199) and the Police (999/112) without delay. If safe to do so, move vehicles off the road to prevent further incidents.
• Do NOT Admit Fault: This is crucial. While you should be cooperative, avoid admitting liability at the scene. This is a legal and insurance matter that will be determined by professionals.
• Gather Evidence: This is where your smartphone becomes your best friend.
  • Collect Third-Party Details: Get the other driver's name, contact number, vehicle registration number, and their insurance company details.
  • Snap Photos & Videos: Document everything! Capture clear images and videos of the accident scene, damage to all vehicles (including registration plates), road conditions, traffic signs, and anything else relevant.
  • Find Witnesses: If there are any independent witnesses, get their names and contact information.
• Report to the Police: This is non-negotiable. Head to the nearest police station immediately, or within 24 hours, to report the accident and obtain a Police Abstract Report. This document is absolutely vital for any motor insurance claim in Kenya.

Step 2: Notifying Your Insurer (Time is of the Essence)

Once the immediate scene is handled, your next call is to your insurance provider or agent.

• Act Fast: Most insurance companies require you to report an incident within 24 to 48 hours. Delays can complicate your claim.
• Contact Your Provider: Call your insurer's claims department or your insurance agent/broker. Provide them with a concise description of the incident, including the date, time, and location.
• Request a Claim Form: Ask for the official Motor Accident Claim Form. Many insurers also have online portals for initial reporting.

Step 3: Documentation, Documentation, Documentation!

This is where you bring everything together. You'll need to accurately complete the claim form and gather several key documents.

Here’s a checklist of what you’ll likely need:

• Duly Filled Claim Form: The official form from your insurer.
• Police Abstract Report: The report you obtained from the police.
• Copy of Driver’s License: Of the person driving your vehicle during the accident.
• Copy of Vehicle Logbook: Your vehicle's registration certificate.
• Copy of Insurance Certificate: Your current motor insurance policy document.
• Copy of Your ID & KRA PIN Certificate: For verification purposes.
• Accident Photos/Videos: The visual evidence you collected.
• Third-Party Information: All the details you collected from the other driver.

Step 4: The Insurer Takes Over (Investigation & Settlement)

Once you’ve submitted all the required documents, your insurance company steps in.

• Assessment and Investigation: Your insurer will typically appoint a loss assessor to evaluate the damages and, if needed, an investigator to verify the accident's circumstances.
• Third-Party Damage Assessment: For property damage, the third party's vehicle will be assessed to determine repair costs. For bodily injuries, medical reports and a P3 Form (obtained from the police) will be crucial.
• Claim Decision & Compensation: After reviewing all findings, if the claim is valid, your insurance company will authorize the necessary repairs for the third party's property or provide compensation for their losses/injuries.

Need a Helping Hand? Get Professional Assistance

Navigating insurance claims can be complex, especially during a stressful time. This is where an experienced insurance agent or broker can be invaluable. They can guide you through each step, ensure all documentation is correctly submitted, follow up with the insurer on your behalf, and help you achieve a smoother and quicker resolution.

If you are looking for assistance with your motor insurance claim or renewal in Kenya, the team at Imana Insurance Agency is ready to help you find the best insurance protection that suits your needs and budget. They help clients get insurance covers from the best companies in Kenya and assist with all claims procedures.You can talk to Imana Insurance Agency via Call/WhatsApp on: +254796209402 or +254745218460.

Stay safe on the roads, and remember that being prepared is half the battle won!