How Do Third-Party Insurance Claims Work

It can be confusing to know how an insurance claim works when involved in an accident. Who is at fault will determine whose insurance will pay. If there is a car accident and you are not at fault, then you become the third party and will need to file a claim with the at-fault insurance carrier to have them pay for your damages.

What Is A Third-Party Insurance Claim?

Someone other than the policyholder files a third-party insurance claim. If you’re involved in a car accident caused by someone else, you can file a third-party insurance claim to recover accident-related expenses.

When filing a claim, be sure to use your agent as your representative in all communications and interactions since both insurance companies will be involved in determining fault.

What’s Needed To File A Third-Party Insurance Claim?

You need to know the name of the at-fault driver, insurance policy number, phone number, and any details about the accident to file a third-party claim. It also helps if you know the license plate number and the make and model of the car being driven. Also, try to have a police report and dispute any mistakes that may appear because it can cost you a lot of money if it’s determined that you were at fault.

How To File A Third-Party Insurance Claim?

While every insurer has their own way of filing claims, you and your insurance agent must work with a claims adjuster or representative from the at-fault party’s insurance company. The adjuster will review the police report and witness statements, inspect the damage to your car, and talk with you and their client about the details of the accident. Based on their report, they determine damages and will pay your accident claim according to the at-fault person’s policy.