Claiming Third-Party Insurance in Sri Lanka: A Comprehensive Guide

As a driver in Sri Lanka, you are legally required to have valid third-party liability insurance for your vehicle. Third-party insurance provides financial coverage for the other driver’s damages and injuries if you are involved in an accident. However, navigating the claims process can be challenging if you are unfamiliar with the requirements and steps. This comprehensive guide will provide the critical information you need to successfully file a third-party insurance claim in Sri Lanka in the event of an accident. From reporting the accident to the insurance provider and police, filing the necessary paperwork, and following up on your claim status, we outline each stage of the process to ensure you receive fair compensation. By understanding your rights and responsibilities, you can have confidence in the system and focus on recovery.

What Is Third-Party Insurance in Sri Lanka?

Third-party insurance is critical in Sri Lanka for maintaining the safety and well-being of all road users. This form of insurance is required by law for all car owners, and it’s simple to see why. While it does not cover your car or personal injuries, it serves a more significant social function. The Sri Lankan government intends to protect the financial interests of persons who may be victims of accidents caused by others by introducing third-party insurance. This instills a feeling of responsibility in drivers and offers a safety net for people who may otherwise struggle to recoup their losses following a car accident.

Furthermore, third-party insurance is not restricted to personal vehicles in Sri Lanka. It covers various vehicles, including commercial trucks, buses, and three-wheelers. This comprehensive approach guarantees that all motor vehicles operating on public roads are held financially liable for any harm they may cause to others. Essentially, it promotes a sense of ownership and responsibility among drivers, resulting in safer roads and fewer disagreements over accident-related expenditures.

When you obtain third-party insurance in Sri Lanka, it’s essential to carefully review the terms and conditions outlined in your policy document. While the core coverage remains consistent, there might be variations in the specific liabilities covered or the extent of coverage provided by different insurance providers. Therefore, it’s advisable to compare policies from multiple insurers to ensure that you select the one that best suits your needs and offers the peace of mind that comes with knowing you’re complying with the law while protecting the interests of others on the road.

Making a Third-Party Insurance Claim: Step-by-Step Process

To claim third-party insurance in Sri Lanka, you must follow the proper procedures to receive compensation for damages.

Reporting the Incident

First, report the incident to the police within 24 hours and obtain a Medico-Legal Certificate from a government medical officer. This establishes evidence of the accident date and any injuries.

Submitting Required Documents

Next, submit the required documents to your insurance provider within seven days of the incident:

  • Police report
  • Copy of driver’s license
  • Copy of vehicle registration
  • Estimates for vehicle repair or replacement costs
  • Medical reports and bills (if there are any injuries)

Processing the Claim

Once documents are received, the insurance provider will review the claim and may inspect the vehicle to assess damages. They determine liability and the compensation amount. This typically takes 10 to 15 days but can take longer for complex claims.

Receiving Compensation

If approved, compensation is paid within 30 days of claim submission through direct payment for repairs, replacement costs, medical bills, or a lump sum payout for other damages. Rejected claims can be appealed within 30 days.

By following the proper procedures and timelines, providing the necessary documentation, and cooperating fully with your insurance provider, you can successfully make a third-party insurance claim in Sri Lanka. Compensation can help recover costs from an unfortunate incident, but patience and diligence are required.


In closing, following the correct process to claim third-party insurance in Sri Lanka requires patience and persistence. Do your due diligence to understand the documentation needed and the timelines involved. Stay close to the insurance company and police to push the claim forward. While the process can feel tedious, remaining professional and courteous with all parties involved will yield the best results. Following the steps outlined and advice in this guide, you can successfully claim the compensation you deserve under your third-party insurance policy. Best of luck navigating this important process.

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