Claim for Third Party Property Damage and/or Bodily Injury | Liberty Insurance Hong Kong

Select a product to see the correct claims process:

Liberty drive to China motor insurance Own damage Third-party property damage and/or bodily injury Vehicle-windscreen/sunroof damage

Third-party property damage and/or bodily injury

Step 1

Notify Liberty Claims Department of the claims within 14 days after the accident by submitting:

Copy of Motor Vehicle Accident Claim Form to claims@libertymutual.com.hk

Claim Form - Motor Vehicle Accident

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Named Drivers Amendment Form

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Step 2

Submit required documents for further investigation instead of “Submission of Requisite Documents to await Liberty’s approval of commencement of repair

Original Motor Vehicle Accident Claim Form
Original Letter of Consent
Original Declaration of Driver
Original “Application for a Certificate Relating to Previous Conviction under Section 75(5) of Road Traffic Ordinance, Cap 374”
Original Personal Information Collection Statement
Copy of the driver’s Driving Licence
Copy of the driver’s HKID
Copy of Vehicle Registration Document (both sides)
Copy of Vehicle Licence
Copy of the Breathalyser Test Report issued by the police, if any
Copy of the driver’s Statement made to the police if any
Color photos/video depicting the accident, if any
Copy of all correspondence regarding the accident

Step 3

After police investigation, you MUST submit the following documents immediately:

Copy of Investigation Result Letter issued by the police
Copy of Summons to Defendant issued by Magistrates’ Courts, if any

Step 4

If you are negligent in the accident

If you are negligent in the accident, you will receive a POLICE INVESTIGATION RESULT LETTER issued by the police and a “SUMMONS TO DEFENDANT" issued by magistrates’ courts separately. Please be reminded to submit all claim letter(s), writ and SUMMONS to us immediately upon receipt. Do NOT admit liability without our consent.

Step 5

Handle third-party claim on your behalf

We will handle third-party claim on your behalf

Frequently Asked Questions (FAQs)

How do I make a claim if my vehicle was involved in a traffic accident?

You are required to submit the claim form. Verbal notification or other written means is not acceptable.

When should I make a claim after a traffic accident?

You should notify us immediately after an accident. If you do not notify us within 14 days the delay in making the claim may prejudice your rights under your motor policy.

Will my No Claims Discount (“NCD") be affected if I make a claim?

In most cases, the No Claims Discount (for Private Vehicle only) follows this table. However, in certain cases, your claim could fall under the NCD Protector feature of our policy if that feature is included in your policy. Please check your policy to see if the NCD protector applies to your policy.

Original NCD NCD after claim

60% 30%

50% 20%

40% or less 0%

How do I know if I qualify for the Substitute Vehicle Benefit for renting a car after an accident?

You can only rent a substitute vehicle if you (i) claim Own Damage and (ii) you are insured under a Comprehensive Policy which provides a Temporary Substitute Vehicle Benefit. A rental quotation is required to be submitted for our approval. Please refer to your policy schedule for details.

My car is in the repair shop. Do I need to obtain the insurer’s approval first before commencing repairs?

Yes. We must authorise all repair work.

How long does it usually take to commence repairs on my vehicle if I claim Own Damage?

Liberty’s goal is to get you back on the road as quickly as possible. Normally, your repair work will commence within 7-14 working days after you have submitted your claim, subject to the completeness of required documents and quantification of the surveyor.

What is depreciation?

A person who suffers loss in an incident can recover from his insurance policy only up to the extent of the loss he has suffered. In other words, an insured cannot benefit from a loss. If an old item is replaced by a new one, depreciation is applied to cover the difference in value between an old item and a new item.

What should I do if I am NOT the negligent party?

The court of law determines who the negligent party is. Therefore, to protect your interests, and whether or not you are the negligent party, you should note the following items at the accident scene:

The third-party(s) vehicle registration number(s)
Name of the third-party(s) driver(s) and/or passenger(s)
The contact number of the third-party driver(s)
The insurer of the third party(s) vehicle (if possible)
Gather the contact information of witnesses
Take pictures of the accident from all angles

After the police investigation, you should forward the prosecution/court result and copy of receipts of your losses for recovery.

If I have third-party only coverage and my vehicle is damaged in an accident, will Liberty recover from the third-party on my behalf?

No. While Liberty will be happy to advise you on how to proceed, we have no legal interest in your vehicle (because you have a third-party only policy). Therefore, it is your responsibility to pursue recovery action against the third-party.

What is recovery from third-party(s) and how long will it take?

In cases where a third-party has liability for the accident, your insurance company can elect to recover claims costs and damages (including your excess) from the third-party. How long this process takes depends on the time spent by the police on the investigation, the length of the court trial, and third-party recovery negotiations. While every case differs, cases may take 6 months to 2 years to resolve.

Could I withdraw my claim at any time?

If the accident does not involve third-party bodily injury, you are allowed to withdraw your claim at any time after signing the Letter of Withdrawal.