An insurance claim is a means to pursue and recover compensation to help cover losses that result from an injury or accident. Each time a person is seriously injured in an accident, it is generally their insurance carrier that may provide them compensation for damages and losses incurred as a result, such as hospital bills, medical expenses, lost wages, and more. In case a person is seriously injured in an accident that has been the fault of someone else or entity, that person could file a claim from the opposing party's carrier to cover these losses.
Aside from party, if an insurance carrier does not desire to budge on a good settlement, a victim will be needing Little Rock Personal Injury Lawyer to fight for the rights to full and fair compensation. In the first example, the injured person would file a first party claim because they are filing with their particular insurance company. Next example, the individual would file a 3rd party claim because they are filing with another party's insurance. Continue reading to understand even more examples of first and alternative party claims, and how they vary from case to case.
Which to File?
You will find two primary kinds of insurance claims an individual will file following an accident. The kind of claim filed depends upon who had been responsible for the accident. If you're responsible, you'd file a first party claim along with your personal insurance company, whether auto or health. When someone else was responsible for the accident that caused your injuries and losses, you'd file a 3rd party personal injury claim using their insurance company.
Example of a First Party Claim:
Barbara was driving home from work when she noticed it'd begun to snow. During a change, she loses control of her vehicle as a result of improper tire maintenance, and collides with a road lamp. In this case, she would file a first party insurance claim with her very own insurance carrier since she was responsible for the accident.
Example of a Third Party Claim:
Barbara was driving through the town when her phone rang. While she rummaged through her purse on sitting on the contrary seat, she didn't notice a red stop light. As she ran the light, she collided with another driver who subsequently suffered whiplash and back injuries as a result. In this case, the injured driver would file a 3rd party personal injury claim with Barbara's insurance carrier.
Talk to a Lawyer
The easiest way to understand status in an individual injury case would be to consult with a licensed attorney. They're the only real professionals who retain the correct knowledge and experience to provide accurate legal counsel and counsel.
