Sometimes after a car accident, it can be unclear who was actually at fault since there may have been multiple parties involved in the incident. Depending on who was really responsible, one of the first steps is to make a claim against a certain liability insurance policy. You can make this claim to either the policy of the driver or owner of the vehicle you were riding in at the time of the accident, or to the policy of another vehicle involved in the car accident. This kind of claim is called a “third party” claim, and it’s important that you know how these types of claims are carried out.
What Are Third Party Insurance Claims?
These are third party claims because you are making a claim under an insurance policy that is not your own. You might even have to make multiple third-party claims: for example, if one driver’s policy is only able to cover part of the losses, you may have to file a second claim against another insurance provider. Another common situation involving a third-party claim is when you are related to, or live with, the driver of the car you were riding in as a passenger. In this scenario, you will probably not be able to continue pursuing a claim against that driver’s insurance policy. This is because you are usually someone who is insured under that policy (with family members and spouses) and injured people are unable to pursue liability claims against the policy that insures them. Another common situation that may lead to a third party claim is when a victim needs medical bills to be paid while he or she waits for a claim to process. While you wait, you can actually make a claim for medical payments, which is also called “med pay” coverage. Check your automobile insurance policy to see if you have med pay coverage.
If you have been injured in a car accident and you believe liability falls on a third party, our car accident attorneys can help you through the third party claim process. Contact us immediately so we can get started on representing you in your case.