The Liability Claim Process in Iran — Step by Step
Short answer
A liability claim in Iran moves through five stages: notify the insurer fast — the policy usually sets a maximum of five working days — document the scene, cooperate with the insurer-appointed loss adjuster, receive settlement within the limit of liability, and take disputes to the insurance disputes commission or a court under Article 30 of the Insurance Act of 1936.
Claim steps
Five steps from notification to payment
Notify the insurer
Report the incident to the agency as soon as you learn of it, in writing, before the deadline the policy states — usually a maximum of five working days. Describe what happened, where and when, name the injured party and mention every similar prior notice honestly. A lawsuit against you never replaces notifying the insurer.
Secure evidence and documents
Do not alter, repair or reconstruct the scene before the adjuster's visit; emergency rescue measures are allowed and their reasonable costs are recoverable. Photograph the location, collect witness names, keep the official report and gather the policy schedule, identity documents and professional licenses. Preserve every invoice, since the file is judged on documents.
Loss adjustment (کارشناس بیمه)
The insurer appoints a loss adjuster (کارشناس بیمه) who inspects the scene, reviews the documents, hears both sides and consults technical bodies. In bodily-injury claims the adjuster's report is completed by a medical commission or a court judgment fixing the percentage of fault. Full cooperation and accurate statements protect your coverage.
Settlement offer and payment
Once fault and quantum are established, the insurer computes the payable amount: proven loss minus the deductible, capped at the limit of liability. In bodily-injury matters the court's final judgment on the insured's liability binds the insurer. Payment follows the general conditions after the settlement agreement or the enforceable judgment.
Dispute routes
If the claim is rejected or the offered amount seems wrong, first demand the rejection reasons in writing and challenge them with documents. Over the amount of loss, a jointly appointed expert can arbitrate. Ultimately, the insurance disputes commission or a court action under Article 30 of the Insurance Act of 1936 settles the case.
Documents usually required
Documents usually required
- The completed and signed claim notification form
- Copy of the policy schedule and the premium payment receipt
- Identity documents of the insured and of the claimant
- Evidence of the incident: photographs, witness statements, official reports
- Medical records, invoices or repair estimates for the claimed loss
- Professional documents where applicable: medical license, business permit, contract
The list above is indicative. The loss adjuster confirms the exact list of documents for your case after the first review of the file.
Specialized claim guides
Specialized claim guides — EN renderings, Persian authoritative
Six specialized claim guides, each available as an English rendering for orientation and as the full Persian original. The Persian edition of every guide is the authoritative text.
The medical commission route, proving the fault percentage and the bodily-injury file.
Work-related injury to workers, the employer's fault-based liability and expected documents.
Injuries to visitors and passers-by on premises, occupier liability and property-damage files.
Passenger injury claims, inspection records and maintenance documentation.
Third-party damage on construction sites and the project documents that support the file.
Injury or damage caused by defective products and the consumer-protection route.
Claim FAQs
Liability claims — English FAQs
Need to notify a claim or review your coverage?
English-speaking visitors can email us and a consultant will respond in English, usually within one business day. The claim form and quotation form are in Persian.
پاسخ استعلام حداکثر تا یک روز کاری — استعلام هیچ تعهدی برای خرید ایجاد نمیکند.