Car Accident Claim Process Pakistan 2026 — Complete Insurance Guide
Car Accident Claim Process Pakistan 2026 — Complete Insurance Guide
Knowing what to do immediately after a car accident in Pakistan — and how to file a successful insurance claim — can save you hundreds of thousands of rupees. Many Pakistanis miss critical steps in the first hours after an accident that later invalidate their claims. This guide covers the complete process from accident scene to claim settlement.
Having the right insurance in the first place is the foundation. If you have not compared policies recently, see our complete guide to car insurance in Pakistan for current rates and coverage options.
Types of Car Insurance Claims in Pakistan
| Claim Type | What It Covers | Policy Required |
|---|---|---|
| Own Damage Claim | Your vehicle’s repair/replacement | Comprehensive |
| Third-Party Liability | Damage to other person’s vehicle/property | Comprehensive or Third-Party |
| Bodily Injury Claim | Medical expenses, disability, death | Comprehensive + personal accident rider |
| Theft Claim | Full vehicle theft | Comprehensive (with theft cover) |
| Fire/Natural Calamity | Fire, flood, hail damage | Comprehensive |
What to Do Immediately After an Accident
Step 1: Safety First (0–5 Minutes)
- Turn on hazard lights immediately
- If safe to do so, move the vehicle to the side of the road to prevent further collisions
- Check for injuries — call 1122 (Rescue Punjab) or 115 (Rescue KPK) for ambulance if anyone is injured
- Do not move seriously injured people unless they are in immediate danger of further harm
Step 2: Document Everything (5–20 Minutes)
- Photograph the accident scene from multiple angles before any vehicles are moved
- Photograph all damage to your vehicle and the other party’s vehicle
- Photograph the position of both vehicles relative to road markings
- Note the time, date, location, road conditions, and weather
- Get the other driver’s: name, CNIC, contact number, vehicle registration number, insurance company and policy number
- Collect contact details of any witnesses
Step 3: Police Report / FIR (Within 24 Hours)
Filing a police FIR (First Information Report) is critical for insurance claims above minor scratches. Contact local police:
- Call 15 (Police) or attend the nearest police station
- Provide your version of events calmly and factually
- Request a copy of the FIR — you will need it for the insurance claim
- For minor accidents (agreed fault, no bodily injury), an MLC (Medico-Legal Certificate) may be required instead of FIR if there are injuries
Step 4: Inform Your Insurance Company (Within 24–48 Hours)
Most insurance policies in Pakistan require notification within 24–48 hours of an accident. Failing to notify in time can give the insurer grounds to reduce or reject your claim. Call your insurer’s 24/7 helpline immediately after ensuring everyone’s safety.
Documents Required for Insurance Claim in Pakistan
| Document | Why Needed |
|---|---|
| Insurance policy document | Proof of coverage |
| CNIC (original + copy) | Identity verification |
| Vehicle registration (log book) | Proof of ownership |
| Valid driving licence | Driver authorisation |
| Police FIR copy | Accident confirmation |
| Photographs of damage | Evidence of damage extent |
| Repair estimates (2–3 garages) | Basis for settlement |
| Medical certificates (if injured) | Bodily injury claim basis |
Insurance Claim Process — Step by Step
- Notify insurer: Call within 24–48 hours with claim number
- Survey appointment: Insurer sends a surveyor to inspect the vehicle — cooperate fully
- Garage direction: Insurer may direct you to a panel garage or allow you to choose
- Repair authorisation: Surveyor assesses and approves repair cost
- Repair execution: Vehicle repaired at approved garage
- Invoice submission: Final invoice submitted to insurer by garage or by you
- Settlement: Insurer pays approved amount minus your deductible (excess)
Common Reasons Claims Are Rejected in Pakistan
- Late notification: Not informing insurer within the policy’s notification window
- Unlicenced driver: Vehicle driven by someone without a valid licence at the time
- DUI: Driver under influence of alcohol or narcotics at time of accident
- Policy lapse: Premium not paid — coverage suspended
- Illegal modification: Vehicle had unauthorised modifications (illegally dark tint, engine swap)
- Commercial use under personal policy: Using a personal-registered vehicle for Uber/Careem without commercial endorsement
How Long Does a Claim Take in Pakistan?
Typical claim timelines with major Pakistani insurers:
| Claim Type | Typical Timeline |
|---|---|
| Minor own damage (dents/scratches) | 7–14 days |
| Major own damage (structural) | 21–45 days |
| Third-party liability | 30–90 days (depends on agreement) |
| Total loss / theft | 45–90 days |
| Disputed claim | 3–12 months (arbitration) |
Token Tax and Registration Are Not Affected by Accidents
A car accident does not affect your annual token tax obligations. Token tax continues to be due on the registration date regardless of the vehicle’s condition or ongoing claim status.
Frequently Asked Questions
Do I need to file an FIR for every car accident in Pakistan?
Not for minor incidents with no injuries and agreed mutual fault. However, for any accident involving bodily injury, significant damage, or disputed fault, an FIR is essential for insurance purposes and legal protection.
How much is the deductible on car insurance in Pakistan?
Pakistani insurance policies typically have a deductible (excess) of Rs 5,000–25,000 or 1–2% of the insured value, whichever is higher. The exact amount is specified in your policy schedule.
Can I claim insurance if it was my fault in Pakistan?
Yes, for own damage on a comprehensive policy, you can claim regardless of fault. However, your no-claim discount (NCD) will be affected, increasing your next premium. Third-party claims against you are also covered under comprehensive policies.
What if the other driver has no insurance in Pakistan?
If the at-fault driver has no insurance, you must pursue them directly through civil court. Your own comprehensive policy will cover your repairs regardless of the other party’s insurance status (subject to deductible). You can then subrogate against the uninsured party.
Which insurance companies in Pakistan settle claims fastest?
Based on market reputation, Adamjee Insurance, EFU General, and TPL Insurance are consistently cited for faster claim settlement. Smaller companies sometimes have slower processes. See our insurance company comparison for detailed reviews.
