Your Rights on Third-Party Car Insurance

Motorist Guide:

Every car on Kenyan roads must have third-party insurance. It’s the cheapest option, but many drivers don’t fully understand what it covers—or how to protect themselves when insurers delay or ignore claims.

Here’s a simple guide from the Kenya Association of Intellects (KAI) to help you stay safe and informed.

---

What Does Third-Party Insurance Cover?

✅ Injuries to other people caused by your car
✅ Death of another person in an accident
✅ Damage to another person’s property

⚠️ Remember: It does not cover damage to your own car.

---

Common Problems Drivers Face

• Insurance companies delaying or ignoring claims
• Being forced to pay victims directly, even when insured
• Police or insurers shifting blame to avoid payouts
• Lack of clear communication about rights and responsibilities

---

Your Rights as a Motorist

• The law requires insurers to honour valid claims.
• The Constitution protects you from unfair treatment as a consumer.
• You cannot be forced to carry the burden if you have a valid third-party cover.

---

Quick Steps if You’re Involved in an Accident

1. Stay Calm & Document – Take photos, call the police, and get a police abstract.
2. Inform Your Insurer – Report the accident as soon as possible.
3. Keep Records – Save all documents, receipts, and communication.
4. Demand Written Explanations – If your insurer delays or refuses, ask for it in writing.
5. Seek Help – Contact the Insurance Regulatory Authority (IRA) or KAI for support.

---

How KAI Helps You

🚗 Guides motorists on their rights
🚗 Follows up on delayed or denied claims
🚗 Engages police and regulators for fairness
🚗 Protects vulnerable drivers from exploitation

---

Final Word

Third-party insurance is there to protect you and others, not to leave you with extra burdens. If you pay for a cover, the insurer must honour it.

KAI stands with motorists to ensure insurance works as promised.
“Empowering Voices. Protecting Rights. Restoring Trust.”

Header Section (Bold, Eye-Catching)

• Title: “Motorist Guide: Your Rights on Third-Party Car Insurance”
• KAI logo + tagline: “Empowering Voices. Protecting Rights. Restoring Trust.”

Section 1 – What It Covers

• ✅ Injury to others
• ✅ Death of another person
• ✅ Damage to another’s property

Section 2 – Common Problems

• Delays or ignored claims
• Drivers paying out-of-pocket
• Police shifting blame

Section 3 – Your Rights

• Insurers must honour valid claims
• Constitution protects consumers
• You cannot be forced to pay if insured

Section 4 – Quick Steps in an Accident

1. Stay calm & document (photos, abstract)
2. Inform your insurer immediately
3. Keep all records
4. Demand written explanations
5. Seek help (IRA/KAI)

Section 5 – How KAI Helps (Supportive Icons)

• Guidance on rights
• Claim follow-up
• Engagement with regulators
• Protection from exploitation

Impact

“When you insure, you deserve protection. When ignored, you deserve justice.”