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Advice for making a third-party insurance claim

| Jun 3, 2020 | Personal Injury |

After a car accident, you may have to deal with multiple insurance companies, especially if you were not at fault. When you make a claim with another individual’s insurer, the law considers it a third-party claim because you are the third party in relation to the other driver and the other driver’s insurance company.

In a third-party claim, you will ask the insurer to pay for damages you experienced from an accident that was the result of negligence by a policyholder. As Forbes notes, you will need to understand how to deal with the insurance company when making your claim to ensure you get fair compensation.

The claims process

The process for filing a third-party claim is similar to filing a claim with your own insurance company. You will need to provide all the details about the accident, including identifying information about yourself, your vehicle, the other party and his or her vehicle.

The insurance company will conduct an investigation and make a ruling. It may offer you a settlement. You can negotiate the settlement if you feel it is not a fair offer.

The limits on compensation

Do realize that when you make your claim, you will only get a settlement up to the policy limits of the responsible party. If the other person does not have enough insurance to cover all your damages, you will need to take him or her to court to get the remaining funds.

The importance of gathering information

One of the most important aspects of making a third-party claim is producing relevant evidence. This means that, at the accident scene, you need to be vigilant about gathering information from the other drivers involved.

If possible, make sure you not only write down the contact and vehicle registration information of the other motorists but also take numerous photos. If you miswrite or misremember the details due to the stress of the situation, having a photo ensures you do not miss anything when it comes to filing a claim.