Filing a claim with both your insurer and the responsible party’s insurer is the crucial first step towards securing compensation for lost wages, medical expenses, and other damages. This article will provide an overview of insurance injury claims, covering topics such as the distinction between first-party and third-party claims, the claims process, and the assessment of claim value.

Insurance injury claims typically fall into two main categories: first-party claims and third-party claims. A first-party claim is filed by the injured party with their own insurance company. Conversely, a third-party claim is submitted to the insurance provider of the party responsible for the incident. Many insurance policies include coverage for injuries caused to third parties due to the policyholder’s actions.

The specific type of claim you should file depends on factors such as fault determination for the accident, the extent of available insurance coverage, and the nature of the incident. For instance, if someone causes a car accident, they are likely to file a first-party claim with their own auto insurance provider. Conversely, in cases like pedestrian accidents where a person is hit by a car, the injured party should typically file a third-party claim with the at-fault driver’s car insurance provider.