The Law Offices of Ossie Brown
P 225-424-7388

First party and third party insurance claims: The difference

If you suffered an injury in a motor vehicle accident, the first thing on your action list should be to notify your insurance company; or, notify the insurance company of the party that was responsible for the crash. You will then want to file an insurance claim to recoup the financial damages relating to your medical care, property damages and other damages.

When filing an insurance claim, a "first-party" claim refers to the claim that you file with your own insurance company. A "third-party" claim refers to any claims you file against an insurance policy that covers a different person. In a lot of cases, third-party insurance claims are possible because the insurer will offer coverage to people who were injured as a result of the insured person's negligence or wrongful behavior.

The decision to file a first-party insurance claim versus a third-party insurance claim will largely be determined by who was at fault for the accident that caused your injuries. For example, if you were in a single car crash, you'll probably file a claim against your own insurance company -- unless the accident was caused by some other third-party. If you were involved in a two-car collision, liability could fall on the shoulders of the insurer that covers the other party in your crash.

Victims of car crashes can run into trouble when dealing with insurance companies -- especially if the insurance company offers a very low settlement relating to the injured person's injuries. Regardless if it's a first- or third-party claim, you are well served to fully understand your legal rights before negotiating with an insurance company.

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The Law Offices of Ossie Brown
123 Saint Ferdinand Street
Baton Rouge, LA 70802

Phone: 225-424-7388
Fax: 225-334-7824
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