You’re stuck in traffic, minding your own business, when suddenly—BANG! Another car slams into your rear. Shock, confusion, and that instant rush of “what now?” kicks in. To make it worse, your car is insured under Third-Party Only (TPO) cover. Now you’re wondering: Who pays for the damage? Should you accept cash from the driver, or chase their insurance?
This is one of the most common accident scenarios on Kenyan roads, and knowing the right steps can save you money, time, and stress. Let’s break it down.
Step 1: Understand Who Pays
With Third-Party Only (TPO), your insurer will not repair your car.
The liability falls squarely on the other driver’s insurer, since they caused the accident
Step 2: Secure Evidence Immediately
Take clear photos of your car, the other car, number plates, and the accident scene.
Collect the other driver’s insurance certificate, policy number, ID, and contact details.
Note down any witness contacts.
Step 3: Report to the Police
Get a police abstract from the nearest station or traffic base.
This document is crucial—it’s proof of the accident and required by all insurers for claims.
Step 4: Start the Claim Against the Other Driver’s Insurer
Take your car for assessment/valuation at an approved assessor or garage.
Write a demand letter to the other driver’s insurer (usually via a lawyer, but insurance agents/brokers can guide you).
The insurer may then:
Pay for the repairs directly, or
Compensate you in cash for the damages.
Step 5: Should You Accept Cash on the Spot?
If the damage is minor and easily fixed, a cash settlement can save you the hassle—but get it in writing and ensure the amount covers actual repairs.
If the damage is major, avoid quick cash deals. Go through the formal police + insurance route for proper compensation.
Step 6: Get Expert Help
Navigating claims can be tricky, and many drivers end up frustrated. That’s where an intermediary like insurance agency or a lawyer.
Insurance Wisdom
Getting hit from behind is stressful enough, but not knowing what to do can make it worse. With the right steps—evidence, police abstract, insurer follow-up—you can get your car back on the road without digging into your own pocket. And if the process feels overwhelming, let the experts step in.
