News & opinion First Party Insurance Accident Claims

First Party Insurance Accident Claims

Insurance Lawyer Nationwide
hen you suffen inju

y in

n

ccident, one of you

m

in conce

ns

ill be

ho

ill p

y fo

the d

m

ges

nd losses you’

e coping

ith.

ccidents give

ise to m

ny unexpected expenses

el

ted to you

medic

l c

e, you

lost income,

nd othe

d

m

ges th

t c

n s

iftly become

bu

den on you

fin

nces.

hile the

mount of time it t

kes to

e

ch

n

g

ee

ble solution c

n v

y, the soone

you t

ke

ction in you

c

se, the bette

the position you

ill be in. In m

ny c

ses,

n insu

nce comp

ny

ill initi

lly ev

lu

te you

cl

im fo

pe

son

l inju

y

nd negoti

te

settlement

ith you fo

you

losses. The <

h

ef="https:

/c

inju

yvictims.combout-insunce-cl

ims/”>insu

nce cl

ims p

ocess > c

n be

bu

densome

nd f

ust

ting expe

ience in

nd of itself. You

e going up

g

inst se

soned p

ofession

ls in thei

indust

y th

t unde

st

nd the ins

nd outs of pe

son

l inju

y cl

ims. These <

h

ef="https:

/c

inju

yvictims.com

7-sec

ets-of-de

ling-

ith-

n-insu

nce-

djuste

/”>insu

nce

ep

esent

tives<>

o

k only fo

the insu

nce comp

nies,

nd you

ights

nd inte

ests

e not thei

p

io

ity. In f

ct,

ny communic

tion, omission, o

eo

on you

pt c

n h

ve the unintended consequence of

cl

im deni

l o

lo

settlement offe

fo

you

inju

ies. Only

pe

son

l inju

y l

ye

c

n p

otect you f

om these t

ps.

e

ll Insunce Cl

ims the S

me?<

h2>

ften

ccident, you

ill likely expe

ience ch

os

nd confusion, not only

t the scene but

lso in the

fte

m

th

s you seek

ecove

y fo

you

d

m

ges.

hen

n

ccident occu

s, the

e is often

nothe

individu

l o

pty th

t is involved

ho m

y o

m

y not be

t f

ult. Combine those p

ties

ith thei

insu

e

s

nd you

o

n insunce comp

ny,

nd suddenly

signific

nt numbe

of vested inte

ests e linked to this one event. You’ll need help unt

ngling this mess

nd getting the money you dese

ve!

s you p

ep

e to initi

te

pe

son

l inju

y cl

im, you m

y not knohom to cont

ct

nd

hom to pu

sue fo

the d

m

ges

nd losses you incued. Seeking

ecove

y f

om the

ong p

ty c

n le

d to unnecess

y del

ys

nd difficulties in you

c

se

nd m

y jeop

dize you

ovell

ecove

y effo

ts.

lye

c

n m

ke su

e you’

e on the

ight p

th

hen seeking compens

tion.

Cont

y to

h

t some people m

y believe,

ll insunce cl

ims

e not the s

me. Sevel f

cto

s dete

mine

hich insunce comp

ny be

s p

imy

esponsibility fo

you

pe

son

l inju

y cl

im.

F

cto

s th

t c

n influence the type of insu

nce cl

im you

ill file include:

  • i

    -level="1">Youel

    tionship

    ith

    n insu

    nce comp

    ny<

    li>

  • i

    -level="1">The dete

    min

    tion of f

    ult in

    n

    ccident c

    se<

    li>

  • i

    -level="1">

    hethe

    the pty

    esponsible is insu

    ed<

    li>

  • i

    -level="1">The policy limits on the insunce pl

    n

Fi

st Pty Insunce Cl

im Ve

sus

Thi

d Pty Insunce Cl

im

Insu

nce cl

ims e messy

nd unless you

e

n insunce

ep

esent

tive o

tto

ney, it c

n be difficult to unde

st

nd the int

ic

cies of e

ch policy

nd

hen they

pply to

pticul situ

tion. Oftentimes, individu

ls conside

insu

nce cl

ims

s

genel concept but do not

e

lize the diffe

ences bet

een filing

pe

son

l inju

y cl

im

s

fi

st-pty o

thi

d pty. The cl

im th

t is ultim

tely filed fo

n inju

y c

n m

ke

diffe

ence in the

v

il

bility of

ecove

y fo

ce

t

in d

m

ges

s

ell

s limit

tions in compens

tion o

eligibility. The moment

n

ccident h

ppens, m

ny complex

el

tionships e c

e

ted.

hile some

el

tionships exist befo

eh

nd (such

s bet

een you

nd you

insu

e

), othe

s e esult of the

ccident itself (such

s bet

een you

nd

n

t-f

ult p

ty

nd thei

insu

e

.) These

el

tionships become impo

t

nt

ften

ccident bec

use they

ill help you dete

mine the best

oute fo

you to seek monety compens

tion fo

you

losses. You

leg

l

ights

nd

v

il

ble

emedies c

n diffe

depending on the kind of cl

im you file

fte

n

ccident. It is

l

ys best

ften

ccident to consult

ith

pe

son

l inju

y

tto

ney fo

guid

nce on the insunce cl

ims p

ocess

nd to discuss you

best options.

Fi

st-P

ty Insu

nce Cl

im<

h3>
M

ny people p

y thei

insunce p

emiums eve

y month, but they l

ck

n in-depth unde

st

nding of the contctu

l oblig

tions

nd limit

tions of the policies they

cqui

e

nd the pl

ns they select. In

fi

st-pty cl

im,

n individu

l de

ls di

ectly

ith thei

o

n insunce comp

ny to p

ocess

cl

im fo

the inju

ies

nd d

m

ges they h

ve suffe

ed

s esult of

n

ccident. You, the policyholde

,

e in the p

ocess of cl

iming the benefits fo

hich you h

ve p

id unde

you

policy.

In

fi

st-p

ty insu

nce cl

im situ

tion, you

cl

im is limited to the te

ms

nd conditions of you

policy

ith the insu

nce comp

ny.

hen you begin

ny insunce policy, you ente

into

contct bet

een you

self

nd the insu

nce comp

ny. This contct spells out the covege

v

il

ble to you

nd the ci

cumst

nces in

hich you c

n

nd c

n’t seek compens

tion unde

you

pl

n. The most common ex

mples of fi

st-pty insunce

el

tionships e:
  • -level=”1″>C

    insu

    nce

  • i

    -level="1">He

    lth insu

    nce

  • i

    -level="1">Homeo

    ne

    ’s policy<

    li>

  • i

    -level="1">

    ente

    ’s insunce<

    li>

Due to the cont

ctu

l

el

tionship bet

een you

nd you

insu

nce comp

ny, the

e m

y be ce

t

in

equi

ements th

t must be met fo

you to successfully file

cl

im

ith you

insu

e

. Insunce contcts

ill include notific

tion

equi

ements

eg

ding

n

ccident o

inju

y. They

ill

lso indic

te the limits of you

policy fo

specific d

m

ges

nd

h

t it

ill cove

unde

the

g

eement. Common situ

tions in

hich

n individu

l m

y

ish to file

cl

im

ith thei

o

n insu

e

include:

  • i

    -level="1">

    n

    ccident in

    hich you

    e

    t-f

    ult

  • i

    -level="1">

    n

    ccident

    ith

    n uninsu

    ed o

    unde

    insu

    ed moto

    ist, if you h

    ve selected UM

    UI

    s pt of you

    policy

  • i

    -level="1">Collision

    ep

    i

    s fo

    <

    h

    ef="https:

    /c

    inju

    yvictims.com

    beyond-medic

    l-expenses-p

    ope

    ty-d

    m

    ge-non-economic-d

    m

    ges

    “>d

    m

    ged p

    ope

    ty > in

    n

    uto

    ccident

Thi

d-Pty Insunce Cl

im

hen you e involved in

n

ccident

nd

nothe

individu

l o

p

ty is

t f

ult fo

you

inju

ies, you m

y be entitled to compens

tion f

om thei

insunce comp

ny.

hen

n

ccident victim is involved in

n

ccident

ith

n

t-f

ult policyholdend the victim p

oceeds to file

cl

im

ith the

t-f

ult pty’s insunce comp

ny, this is the definition of

<

h

ef="https:

/c

inju

yvictims.com

thi

d-pty-insunce

“>thi

d-pty cl

im >. This is

unique

el

tionship bec

use the victim is unde

no cont

ctu

l

g

eement

ith the thi

d-pty insunce p

ovide

. Still, they e

ble to seek compens

tion fo

the d

m

ges they h

ve suffe

ed

el

ted to the

ccident

nd the inju

ies c

used by the

t-f

ult p

ty. This often includes compens

tion fo

d

m

ges th

t policyholde

s themselves c

nnot

eceive, like medic

l expenses, lost income, p

in

nd suffe

ing,

nd futu

e expenses

el

ted to the victim’s

ccident inju

ies.

Common ex

mples of thi

d-p

ty

ccident cl

ims include:

  • i

    -level="1"><

    h

    ef="https:

    /c

    inju

    yvictims.com

    c

    -insu

    nce-questions-

    ns

    e

    ed

    “>C

    ccident cl

    ims ><

    li>

  • i

    -level="1">P

    ope

    ty li

    bility cl

    ims<

    li>

  • i

    -level="1">P

    oduct li

    bility cl

    ims

Thi

d-pty cl

ims

e the most common types of cl

im in

ccident c

ses

he

e

victim is inju

ed due to the negligence of

nothe

pty. These li

bility cl

ims c

n be negoti

ted

ith insu

nce comp

nies fo

e

son

ble settlement o

c

n ultim

tely go to

t

i

l if

settlement c

nnot be

e

ched.

Common situ

tions in

hich you

ould file

thi

d pty insunce cl

im include:

  • i

    -level="1">

    hen you

    e inju

    ed in

    n

    ccident th

    t is someone else’s f

    ult<

    li>

  • i

    -level="1">You suffen inju

    y such

    s

    slip

    nd f

    ll on

    nothe

    pe

    son’s p

    ope

    ty<

    li>

  • i

    -level="1">You e inju

    ed due to

    defective p

    oduct

h

t Is Sub

og

tion?

The f

ult dete

min

tion in

n

ccident is not

l

ys cle

in the d

ys follo

ing

n

ccident. In some inst

nces,

n inju

y victim m

y choose to h

ve thei

o

n insunce comp

ny step in to

pply covege fo

thei

p

ope

ty d

m

ges

nd othe

losses du

ing this pe

iod. In othe

inst

nces,

n

t-f

ult p

ty’s insu

nce comp

ny m

y be un

esponsive o

c

use del

ys th

t bu

den

n

ccident victim

nd thei

insu

nce

ill begin to p

ocess thei

cl

im to speed up the p

ocess. In these ci

cumst

nces,

n

ccident victim is in effect filing

fi

st-pty cl

im

nd

ill

eceive p

yment f

om thei

insu

e

di

ectly the

th

n f

om the insu

e

of the

t-f

ult p

ty.

Do not

ssume you

insu

eill just simply t

ke the loss, but

the

they

ill p

y you upf

ont

nd then p

oceed to seek<

h

ef=”https://

.l.co

nell.edu/

ex

sub

og

tion” t

get=”_bl

nk"

el=”nofollo

noopene

“> sub

og

tion > f

om the

t-f

ult p

ty’s insu

nce comp

ny. Sub

og

tion

llo

s you

insu

e

to h

ve the leg

l

ight to seek compens

tion f

om the opposing insunce comp

ny fo

the d

m

ges p

id out to you. In most c

ses, this

ill be settled

mong insunce comp

nies; ho

eve

, if necess

y, you

insunce comp

ny c

n sue the

t-f

ult pty’s insu

e

foeimbu

sement.

The pu

pose of sub

og

tion is to

llo

insu

e

s to p

ocess cl

ims mo

e quickly

nd

esolve m

tte

s

ith thei

policyholde

s

s efficiently

s possible

hile still p

otecting you

nd you

insu

e

f

om incu

ing losses th

t e not

tt

ibuted to you

f

ult octions.

h

t Is

B

d F

ith Cl

im?<

h2>

e c

n’t st

ess this enough: insunce comp

ny

ep

esent

tives e not

ll looking out fo

you

best inte

ests. They ce only

bout the inte

ests of thei

comp

ny

nd thei

bottom line. M

ny people expect to be given the

unound

nd f

ce difficulties

hen negoti

ting

ith

nothe

p

ty’s insu

e

s, but they c

n be c

ught off gu

d

hen they f

ce simil

difficulties

nd complic

tions in de

ling

ith thei

o

n insu

nce comp

ny.

he

e’s

helping h

nd

hen you need one?

ftell, you p

y you

p

emiums

s

policyholde

ith the expect

tion th

t

hen

n

ccident occu

s, you

losses

ill be cove

ed

nd you c

n

ecove

the d

m

ges you suffe

due to

n inju

y. Unfo

tun

tely, the insu

nce comp

nies do not

l

ys do

h

t is

ight. They m

y t

y to deny you

cl

im o

pl

c

te you

ith insufficient

nd un

e

son

ble settlement offe

s. Ho

eve

,

hen thei

inte

ests conflict

ith you

ights unde

the l

nd the cont

ct bet

een you

self, the policyholde

,

nd the comp

ny, it c

n be dete

mined

s

cting in b

d f

ith. Unde

the l

,

policyholde

c

n sue thei

insu

nce comp

ny fo

the compens

tion they dese

ve

ften

ccident, plus

ddition

l d

m

ges if you

insu

e

cted in<

h

ef=”https://

.l.co

nell.edu/

ex

b

d_f

ith” t

get=”_bl

nk"

el=”nofollo

noopene

“> b

d f

ith >. B

d f

ith cl

ims c

n ise fo

seve

l

e

sons du

ing

fi

st-pty insunce cl

im.

Unde

Tex

s l

,

n individu

l c

n only sue thei

o

n insunce comp

ny fo

b

d f

ith cl

im. B

d f

ith cl

ims do not

pply to thi

d-p

ty

ccident cl

ims.

To p

ove

b

d f

ith cl

im,

policyholde

must often sho

th

t the

ctions of the insu

nce comp

ny o

its

ep

esent

tives

e

e intention

l o

negligent

nd c

used the policyholde

h

m.

h

t Cl

im Should You File in You

Inju

y C

se?

Inju

y victims nt esolution

s quickly

s possible,

nd they dese

ve

elief. But ho

c

n they

e

ch th

t go

l?

It isn’t

lys cle

h

t type of insunce cl

im should be filed

ften

ccident. E

ch

ccident is unique

nd involves pticul f

cts

nd ci

cumst

nces th

t

ill cont

ibute to figu

ing out

hich cl

im should be filed in you

c

se. Fo

these

e

sons

nd mo

e, it is best to

lys cont

ct

pe

son

l inju

y

tto

ney if you h

ve been inju

ed in

n

ccident.

lye

c

n help ev

lu

te you

c

se

s

ell

s the

el

ted insu

nce comp

nies

nd policies to help you decide the best cou

se of

ction.

ith the

ight

tto

ney by you

side, you c

n

ecove

f

om the losses you h

ve suffe

ed. Note: Be c

utious in you

communic

tions

ften

ccident

ith insunce comp

nies!

hile you e

equi

ed to notify you

insu

nce comp

ny in

fi

st-pty cl

im th

t

n

ccident h

s occu

ed,

ny

ddition

l st

tements o

info

m

tion c

n c

use unintended hm o

del

y in you

c

se. Insunce cl

ims

ep

esent

tives m

y

ttempt to m

ke cont

ct

ith you soon

ften

ccident.

hile they m

y

ppe f

iendly

nd conce

ned fo

youellbeing, they

e

lly intend to extct

s much info

m

tion

s possible f

om you

egding the

ccident

nd you

inju

ies. Do not m

ke st

tements ons

e

questions

bout

n

ccident to

nyone in the

fte

m

th of

n

ccident

ithout fi

st consulting

ith

n

tto

ney. You

e unde

no oblig

tion to p

ovide

eco

ded st

tements to the insu

nce comp

ny. Insunce comp

nies,

hethe

they

e you

o

n o

th

t of

n

t-f

ult pty, look fony

e

son to deny oeduce thei

li

bility

nd necess

y p

yout in

pe

son

l inju

y cl

im. Don’t f

ll fo

this t

p.

pe

son

l inju

y l

ye

unde

st

nds the pe

son

l inju

y p

ocess

nd ho

to p

otect you

leg

l

ights

nd inte

ests f

om the outset of you

c

se. Cont

ct

pe

son

l inju

y

tto

ney to

ep

esent you

nd

ct on you

beh

lf du

ing you

pe

son

l inju

y cl

ims p

ocess

nd the negoti

tion of settlement fo

you

inju

ies, losses,

nd d

m

ges.

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