A third-party claim is made when another person's body, property, or vehicle is damaged or injured as a result of an accident. You must make sure the collision is reported to the police, your insurance company, and any other parties involved as soon as possible in cases where your car was either the cause of the accident or was engaged in one. When you are a victim in an accident involving another person's vehicle, you must get the details of that vehicle (owner, registration number, insurance company, etc.) and notify both the police and the insurer of that vehicle. A third party may make a claim under the third party insurance for compensation for harm, death, and property damage. In response to such a claim, a third party may bring an action in the Motor Accidents Claims Tribunal (MACT) against the owner, operator, and insurer of the vehicle.

• In the event of an injury, the sufferer may seek compensation for any physical disfigurement, medical costs, lost wages, etc.
• In the event of death, the decedent's dependents may file a claim for compensation for things like funeral costs, lost income, loss of consortium, love and affection, and medical costs.
• A surveyor's report, the original invoices from any authorized garage, and a motor vehicle inspection report are needed to calculate the loss when there is property damage.