Third-Party Insurance

If you get hu

t in

n

ccident of

ny kind, you c

n

nd should p

otect youights

nd pu

sue compens

tion. This usu

lly involves

o

king

ith insu

nce comp

nies,

nd the

e e t

o m

in p

ths you’ll need to t

ke:

• -level=”1″>You m
  y need to file

  cl

  im

  ith you

  o

  n insu

  nce comp

  ny

  fte

  youccident<

  li>

• i
  -level="1">You m

  y

  lso need to file

  cl

  im

  g

  inst

  thi

  d pty’s insunce comp

  ny

  fte

  you

  ccident

Not eve

ybody kno

s this, but sometimes

ften inju

y o

ccident, you m

y need to submit both fi

st-

nd thi

d-p

ty insu

nce cl

ims. It

ll depends on ho

nd

hy youccident h

ppened.

Belo

,

e’ve cove

ed the b

sics of thi

d-pty insunce.

e

d on to find out mo

e

bout ho

the insu

nce p

ocess

o

ks follo

ing

n

ccident c

used by someone else, oe

ch out no

fo convenient, confidenti

l, F

EE consult

tion.

Thi

d-Pty Insunce<

h2>
<

h

ef=”https://

.

llst

te.com

t

c

-insu

nce/thi

d-pty-insunce-cl

ims.

spx"

el=”nofollo

">Thi

d-p

ty li

bility covege<> is one pt of

n insu

nce policy. Thi

d-pty insunce helps p

otect you if you

e sued by someone else fo

p

ope

ty d

m

ge o

physic

l inju

ies. You m

y

lso h

ve hed thi

d-p

ty insu

nce

efeed to

s “leg

l li

bility cove

ge.” This is typic

lly the most b

sic

uto insunce covege.

h

t Is

Thi

d-Pty Insunce Cl

im?

The

e e th

ee p

ties in

thi

d-p

ty insu

nce cl

im:

• -level=”1″>The insu
  ed individu

  l

• i
  -level="1">The insunce comp

  ny

• i
  -level="1">

  nothe

  individu

  l

Thi

d-pty cl

ims

e m

de by individu

ls

ho e not policyholde

s of the insu

nce comp

ny in question. The most common type of thi

d-p

ty insu

nce cl

im is

li

bility cl

im. These

ise

hen

thi

d pty is

esponsible fo

some so

t of

ccident (like

c

ccident).

h

t Is the Diffe

ence Bet

een

Fi

st-Pty Insunce Cl

im

nd

Thi

d-Pty Insunce Cl

im?

Fi

st-pty insunce cl

ims

e cl

ims you m

ke

g

inst you

o

n insu

nce. <

h

ef=”https://

.investopedi

.com/te

ms

t/thi

d-pty-insunce.

sp#:~:text=Thi

d%2Dpty%20insunce%20is%20essenti

lly,the%20c

use%20of%20those%20d

m

ges."

el=”nofollo

">Thi

d-p

ty insu

nce cl

ims<> e cl

ims you m

ke

g

inst someone else’s insunce (o

cl

ims someone else m

kes

g

inst you

s).

lso, bec

use inju

ed p

ties do not usu

lly h

ve policies

ith the insu

e

s

ho p

ovide thi

d-p

ty cove

ge, those inju

ed pties c

n m

ke cl

ims fo

d

m

ges not no

m

lly cove

ed unde

insunce policies.

Quick Ove

vie

of Fi

st-Pty Insunce Cl

ims

Feeling lost

l

e

dy? One of the e

siest

ys to unde

st

nd thi

d-pty insunce cl

ims is to unde

st

nd

h

t they

e not.

Fi

st-pty cl

ims

e ve

y common

nd c

n p

ove helpful

ften

ccident. You m

y file

fi

st-pty cl

im if you

ish to t

ke

dv

nt

ge of the follo

ing kinds of insu

nce cove

ge:

• i
  -level="1">Unde

  insu

  ed o

  uninsu

  ed moto

  ist cove

  ge

• i
  -level="1">Medic

  l bills (unde

  some ce

  t

  in insunce policies)<

  li>

• i
  -level="1">Collision covege<

  li>

• i
  -level="1">Comp

  ehensive cove

  ge

• i
  -level="1">

  ent

  l covege<

  li>

• i
  -level="1">To

  ing

Filing

fi

st-p

ty insu

nce cl

im is simple. You’ve

l

e

dy t

ken out you

insu

nce policy

nd you

l

e

dy p

y the bill, so

ll th

t’s left is to

ctu

lly m

ke the cl

im. This is e

sily

chieved by c

lling

nd notifying the insunce comp

ny of you

ccident,

nd

sking them to p

y you fo

you

losses. You should be

ssigned

cl

im numbe

nd

cl

ims speci

list f

om you

insunce comp

ny.

Identifying the

esponsible Pty<

h3>
Befo

e you knohich insunce to go

fte

ohich kind of cl

im to file, you must fi

st dete

mine li

bility fo

the

ccident. Sometimes it’s obvious

ho c

used

n

ccident, but othe

times, the

esponsible pty is not

l

ys

ppent. The t

uth is th

t lots of pe

son

l inju

y cl

ims seem simple

nd cle

-cut, but fe

of them

ctu

lly e. If the

e is no tho

ough investig

tion of you

c

se,

nd nobody

ith the kno

ledge of li

bility l

on you

side, p

elimin

y findings

bout youccident could point the finget the ong pe

son… even you! Don’t get bl

med fon

ccident you didn’t c

use. This is

he

e

n

tto

ney could g

e

tly benefit you

c

se. L

ye

s h

ve p

ofession

l expe

ience in p

oving li

bility

nd dete

mining

ho is

esponsible foll kinds of

ccidents.

The Cl

ims P

ocess

egdless of

hethe

you file

fi

st- o

thi

d-pty insunce cl

im, <

h

ef=”https://c

inju

yvictims.combout-insunce-cl

ims/”>the cl

ims p

ocess > begins in much the s

me

y. You’ll need to info

m the insunce comp

ny (eithe

you

s o

thi

d pty’s—o

both) of the

ccident

nd you

losses. Then, you

cl

im

ill be

ssigned

cl

im numbe

. The

e

ill

lso be

cl

ims

djuste

ppointed to h

ndle

nd investig

te you

c

se. <

h

ef="https:

/c

inju

yvictims.com

7-sec

ets-of-de

ling-

ith-

n-insu

nce-

djuste

/”>The

djuste

is the p

imy pe

son you

ill spe

k

ith<>

nd expl

in the d

m

ges you’ve expe

ienced.

The

djuste

m

y o

m

y not

sk fo

mo

e info

m

tion.

t some point, they’ll decide

h

t they think you

c

se is

o

th. They m

y

g

ee to give you the

mount of money th

t you

sked fo

, but most of the time, the initi

l offe

is lo

e

. You c

n negoti

te fu

the

o

file

fo

m

l cl

im in cou

t to fight lo

offe

s like these.

Thi

d-Pty Insunce Cl

ims fo

P

ope

ty D

m

ge<

h2>
If someone else d

m

ges you

vehicle o

othe

p

ope

ty du

ing

n

ccident, you c

n seek compens

tion.

ep

i

s

nd

epl

cement costs

e compens

ble (depending on the ci

cumst

nces suounding the

ccident, of cou

se). Most thi

d-p

ty insu

nce cl

ims fo

p

ope

ty d

m

ge

e not p

id di

ectly to the pe

son

ho filed the cl

im. Inste

d, the insu

nce comp

ny

ill di

ectly p

y

n entity (like

n

uto shop) foequi

ed

ep

i

s.

• -level=”1″>Note: If you
  c is tot

  led in the

  ccident, the insunce comp

  ny m

  y offe

  to p

  y you the

  ctu

  l c

  sh v

  lue (

  CV) of the c

  .

  c’s

  CV is b

  sed on its m

  ke, model, ye

  ,

  nd condition

  t the time of the

  ccident.<

  li>

Thi

d-Pty Insunce Cl

ims fo

Bodily Inju

y

It’s ve

y common fo

people to be hu

t in

ccidents. If you

e

e hu

t, you could be eligible to file

thi

d-pty insunce cl

im th

t

ill compens

te you fo

medic

l bills, t

e

tment costs,

nd so on. These cl

ims e genelly settled th

ough

n offe

of

lump-sum settlement p

yment.

The Insu

nce Comp

ny’s

ight to Inspect

Keep in mind th

t insunce comp

nies h

ve the

ight to inspect the d

m

ge

fte

the

ccident

nd obt

in thei

o

n estim

te of needed

ep

i

costs. They need to m

ke inspection dem

nds

e

son

ble, so it should h

ppen

t you

convenience,

cco

ding to you

schedule

nd

v

il

bility. Ho

eve

, this

ssessment c

n still se

iously

ffect the outcome of

negoti

tion.

• i
  -level="1">You should not need to get mo

  e th

  n one inspection (but you c

  n get

  second opinion if it helps you negoti

  te

  lge

  settlement)

• i
  -level="1">You c

  n t

  y to

  void being fo

  ced into

  n inspection by getting one p

  eemptively you

  self

• i
  -level="1">You should be p

  esent fo

  the inspection<

  li>

h

t if the Othe

Pty’s Insunce nts Me to Sign ele

se o

Settlement Offe

?

Don’t do it—ce

t

inly not

ithout you

l

ye

’s

pp

ov

l! You’ll

lys h

ve the option to sign something like this l

te

, but if you

ccept

lo

offe

p

em

tu

ely, you c

n’t t

ke you

sign

tu

e b

ck.

e

lso

ecommend

voiding signing medic

l

ele

ses

hen it comes to insunce comp

nies. Depending on ho

the

g

eement is

o

ded, the insunce comp

ny m

y

ctu

lly g

in the

ight to c

ll you

docto

s. They

lso g

in

ccess to

ll of you

p

st medic

l histo

y—not just medic

l info

m

tion conce

ning the c

sh. Most insu

nce comp

nies use this to t

y to dev

lue cl

ims o

uncove

p

eexisting conditions.

Tips fo

Compens

tion In

Thi

d-Pty Insunce Cl

im

If you need to m

ke

thi

d-pty insunce cl

im, you p

ob

bly h

ve questions

bout ho

to imp

ove you

ch

nces of

eceiving f

i

compens

tion. Unfo

tun

tely, you c

n’t

l

ys “

in”

hen it comes to insu

nce

gencies. Even if you t

ke

ll of these steps, you might still find th

t you

settlement offe

is too lo

. Th

t’s

he

e

skilled lye

c

n help—but

e’ll delve into th

t l

te

. Fo

no

, he

e

e some tips fo

m

ximizing compens

tion in

thi

d-pty insunce cl

im:

• i
  -level="1"><

  h

  ef="https:

  /

  .iii.o

  g/

  ticle/scene-

  ccident">File

  n

  ccident

  epo

  t<>

  ith the police: This

  ill be

  n impo

  t

  nt piece of evidence fo

  you

  settlement o

  c

  se. In some c

  ses,

  ccident

  epo

  ts pl

  y

  n integ

  l

  ole in p

  oving f

  ult fon

  ccident. They

  lso

  eco

  d impo

  t

  nt det

  ils like the time

  nd pl

  ce,

  nd

  ho

  s involved in the

  ccident.<

  li>

• i
  -level="1">Get tho

  ough info

  m

  tion f

  om othe

  people involved in the

  ccident: Let’s s

  y you’ve been in

  c

  ccident. P

  ovided you

  nd eve

  yone else e medic

  lly st

  ble

  fte

  the f

  ct, it’s

  good ide

  to collect info

  m

  tion f

  om the othe

  d

  ive

  involved in you

  ccident. You should collect thei

  n

  me, cont

  ct info

  m

  tion, insunce c

  ie

  nd policy numbe

  , d

  ive

  ’s license numbe

  , license pl

  te numbe

  , etc.

• i
  -level="1">

  sk fo

  itnesses’ n

  mes

  nd phone numbe

  s: You

  on’t need to

  o

  k

  ith

  itnesses di

  ectly on you

  o

  n, but they m

  y be c

  lled to help

  ith you

  c

  se in the futu

  e. You c

  n s

  ve you

  self

  lot of h

  ssle by collecting

  itness info

  m

  tion

  t the scene of you

  ccident.

• i
  -level="1">T

  ke photos: If you’

  e

  ble to, t

  ke videos, too. C

  ptu

  e you

  inju

  ies,

  ny d

  m

  ge done to you

  vehicle,

  nd

  ny othe

  potenti

  l pieces of evidence o

  signs of

  csh (like deb

  is o

  skid mks in the

  o

  d.)<

  li>

• i
  -level="1">ite do

  n the det

  ils:

  hile the

  ccident is still f

  esh in you

  mind, it’s

  good ide

  to t

  ke the time to

  ite out

  n

  ccount of

  h

  t h

  ppened. Time c

  n imp

  ct ou

  memo

  y, but jou

  n

  ling c

  n help you p

  ese

  ve the f

  cts.<

  li>

• i
  -level="1">S

  ve documents, bills,

  eceipts, etc.: You should s

  ve

  nything you c

  n th

  t h

  s to do

  ith youccident o

  the

  esults of it. This me

  ns medic

  l bills,

  eceipts, document

  tion f

  om medic

  l

  nd l

  enfo

  cement p

  ofession

  ls,

  nd so on.

• i
  -level="1">Find eli

  ble pe

  son

  l inju

  y

  tto

  ney:

  e

  lys

  ecommend finding

  qu

  lified l

  ye

  ho c

  n help you

  ith the cl

  ims p

  ocess.

  ith thei

  help, eve

  ything

  ill p

  og

  ess mo

  e smoothly.<

  li>

If you h

ve mo

e questions

bout the best y to

pp

o

ch

thi

d-p

ty insu

nce cl

im,

e

ecommend consulting

pe

son

l inju

y

tto

ney. They c

n

dd

ess you

questions

nd conce

ns, plus let you kno

the best

pp

o

ch to you

potenti

l next steps.

h

t if I Couldn’t Collect Evidence

fte

My

ccident?

e

l

ys

ecommend collecting

s much evidence

s soon

fte

n

ccident

s possible, but

e kno

this isn’t

lys

n option. M

ny

ccident victims

e hu

t b

dly enough th

t they c

nnot pe

fo

m these t

sks. This is one scenio

he

e

o

king

ith

lye

m

y p

ove especi

lly benefici

l. If you p

tne

ith someone

ho’s

ccustomed to p

oving li

bility

nd collecting evidence to c

e

te

st

ong c

se, you don’t need to

oy

bout

l

ck of p

eliminy det

ils conce

ning youccident. You

l

ye

ill conduct thei

o

n investig

tion

nd g

thell

v

il

ble evidence fo

you.

Litig

tion:

e

ching

Settlement in

n Insu

nce Dispute

Litig

te me

ns “to t

ke leg

l

ction.” In some c

ses, litig

tion is necessy to settle you

dispute

nd

eceive

f

i

insunce p

yout. Du

ing litig

tion,

c

se goes th

ough cou

t,

he

e

lye

p

esents you

side of the sto

y

nd

judge o

ju

y dete

mines the outcome.

ny type of insunce cl

im c

n be solved th

ough litig

tion, but luckily, these c

ses c

n be settled out of cou

t most of the time.

lte

n

tive dispute

esolutions, kno

n

s medi

tion

nd

bit

tion,

ill be

ttempted befo

e litig

tion. Sometimes, ho

eve

, litig

tion is the only option to settle

n insu

nce dispute f

i

ly.

n

tto

ney c

n help you litig

te

c

se if it needs to esc

l

te to th

t point.

Ho

L

ye

C

n Help

The

e’s

lot th

t goes into filing

n insu

nce cl

im.

hen

thi

d-p

ty cl

im is involved, the p

ocess gets

little mo

e confusing. This is

he

e

n

tto

ney c

n come into the pictu

e

nd help m

ke things e

sie

.

pe

son

l inju

y

tto

ney c

n help in the follo

ing ys:

• -level=”1″>Keeping t

  ck of

  eco

  ds

  nd p

  pe

  o

  k

  el

  ting to you

  c

  se<

  li>

• i
  -level="1">Meeting impo

  t

  nt de

  dlines

• i
  -level="1">Coo

  din

  ting ce

  nd scheduling

  ppointments fo

  you

• i
  -level="1">Compiling evidence to st

  engthen you

  c

  se

  nd dete

  mine li

  bility<

  li>

• i
  -level="1">C

  lcul

  ting the v

  lue of you

  cl

  im b

  sed on you

  expenses

  nd suffe

  ing

• i
  -level="1">Negoti

  ting

  ith insunce

  djuste

  s to secu

  e

  f

  i

  offe
• i
  -level="1">Fighting fo

  you in the cou

  t

  oom, if necess

  y

t you

fi

st meeting,

l

ye

c

n help you dete

mine

he

e you e in the cl

ims p

ocess. Next, they c

n help you t

ke steps to b

ing you

cl

im successfully,

nd fight fo

you

ights if you

c

se esc

l

tes.

h

t D

m

ges C

n I

ecove

?<

h3>
The most common questions

e

eceive

t ou

pe

son

l inju

y fi

m conce

n

h

t so

t of compens

tion is

v

il

ble

hen you file

thi

d-pty insunce cl

im.

You

losses, expenses,

nd suffe

ing e collectively kno

n

s you

“d

m

ges.” You m

y

eceive compens

tion fo

these d

m

ges th

ough you

cl

im, but you c

n

lso

o

k

ith

lye

to pu

sue them if you

cl

im v

lu

tion is too lo

. D

m

ges commonly include the follo

ing:

• -level=”1″>Medic
  l bills: Including p

  st, p

  esent,

  nd p

  ojected medic

  l bills

  ssoci

  ted

  ith the

  ccident, the costs of eme

  gency tnspo

  t, di

  gnostic im

  ging, su

  ge

  ies, p

  esc

  iption medic

  tion, thepy,

  nd much mo

  e.<

  li>

• i
  -level="1">P

  ope

  ty d

  m

  ge: Fo

  d

  m

  ge done to you

  vehicle o

  othe

  belongings.<

  li>

• i
  -level="1"><

  h

  ef="https:

  /c

  inju

  yvictims.com

  c

  –

  ccident-p

  in-

  nd-suffe

  ing/”>P

  in

  nd suffe

  ing<>:

  long

  ith the physic

  l expe

  ience of being inju

  ed, you’

  e likely de

  ling

  ith p

  in

  nd suffe

  ing th

  t inteupts you

  d

  ily life.<

  li>

• i
  -level="1">Ment

  l

  nguish: To help compens

  te fo

  some of the ment

  l

  nd emotion

  l

  spects of being hu

  t in

  n

  ccident, such

  s <

  h

  ef="https:

  /c

  inju

  yvictims.com

  c

  –

  ccident-ptsd

  “>PTSD >, dep

  ession, o

  heightened

  nxiety.

• i
  -level="1">Lost income: Fohen inju

  ies c

  use somebody to miss time f

  om

  o

  k.

• i
  -level="1">Diminished ening c

  p

  city: In c

  ses

  he

  e someone’s

  bility to en money

  nd

  o

  k h

  s been pe

  m

  nently

  educed due to thei

  inju

  ies.

• i
  -level="1">Loss of conso

  tium: If

  spouse

  ishes to pu

  sue d

  m

  ges fo

  loss of sex life, m

  it

  l enjoyment, comp

  nionship, help

  ound the house,

  nd so on.<

  li>

• i
  -level="1">Dis

  bility &

  mp; disfigu

  ement: If

  n

  ccident left you pe

  m

  nently dis

  bled o

  sc

  ed, you c

  n seek compens

  tion fo

  the imp

  ct this

  ill h

  ve on you

  d

  ily life.<

  li>

<

h

ef="https:

/c

inju

yvictims.com

“>pe

son

l inju

y

tto

ney<> c

n help you <

h

ef=”https://c

inju

yvictims.com

beyond-medic

l-expenses-p

ope

ty-d

m

ge-non-economic-d

m

ges

“>dete

mine the d

m

ges<> you m

y pu

sue follo

ing

n

ccident. If you h

ve mo

e questions

bout thi

d-p

ty insu

nce,

h

t to do

ften

ccident, o

hich steps to t

ke to p

otect you

ights,

e

ch out to

n expe

ienced l

ye

fo

help.