How To File A Third-Party Claim After A Car Accident

posted byLA Attorneys GroupJune 30, 2020

If you are in a car accident and have suffered significant losses, such as damage to your vehicle or physical injures, file an insurance claim to recover these losses.

Due to negligence behind the wheel, car accidents are very common. Statistics show that most people will have three or four car accidents in their life.

Therefore, it is important to know how to file a third-party claim to ensure you are accurately compensated after a car accident.

Many of us began driving at the age of 16. This means that most individuals will drive for more than 80% of their life before they die.

Unfortunately, many people don’t know what to do after a car accident. This is particularly true if there are injuries involved in addition to damaged vehicles. Sometimes, a third-party claim must be filed in these cases.

What is a Third-Party Claim?

To understand a third-party claim, it is important to understand a first-party claim. A first-party claim is between an insurance company and the individual or business that they insure. For example, if there is a car accident, an individual can file a claim with their insurance company. The insurance company is bound by a contract that both the insurer and insured have already agreed upon and signed.

Third-party claims, on the other hand, are between another party and another person’s insurance company. For example, if there is an accident and someone is injured they can file a claim against the at fault’s insurance for things outside of the contract established between the insurer and the insured. Some of these things might include medical bills, lost wages, and compensation for pain and suffering.

What to do after a car accident?

Right after an accident, all parties are understandably shaken up. It is hard to keep a clear head and remember the right things to do to protect yourself later. However, there are a few key steps to take among the chaos that will help make the third-party claim much easier.

Exchange Contact Information

To build a claim or case against someone’s insurance company, you must know the contact information for all parties involved. It is likely that the other party will want your information as well. Remember to exchange information including names and phone numbers. Your insurance company and attorneys will need this information later.

Get Their Insurance Information

While this may seem excessive, it is important to get as much information about the other person’s insurance policy as possible. For example, ask for the name of their insurance company, the name of their agent, and even their policy number. This will help speed up the process when filing a third-party claim.

Record The Event

Writing down the event as you remember it right after the accident occurred is important to file a third-party claim for a few reasons. First and foremost, it allows you to refer to the most accurate course of events when questioned by insurance companies and authorities. Second, when asked for a detailed description of the event, you already have one available to provide.

Why you need an attorney to file a third-party claim?

Attorneys are experts and understand the law. These types of cases can get particularly messy and create a lot of additional headaches. Having the expertise of an attorney who is well-versed in these types of cases on your side is a great way to ensure you get the outcome you deserve. If you have medical bills that you cannot and should not pay or would like to seek damages for pain and suffering, the best way to have a successful outcome is to talk with an attorney who is experienced in third-party claim cases.

We Can Help!

If you believe that deserve compensation for losses and injuries due to a car accident, we can help!

Contact us today to find out if you are eligible to pursue legal action against another driver you believe is at-fault for your injuries.

At LA Attorneys, our team of personal injury experts will thoroughly analyze your case, negotiate with insurance adjusters and help you build a strong defense claim if needed.

Contact LA Attorneys today to schedule a free consultation with our dedicated attorneys and get the compensation you deserve.

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