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How to make a claim against someone else’s insurance
Manage episode 344918811 series 3407873
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Car insurance is designed to protect you in the case of an accident. However, it’s also designed to protect you in a situation where you aren’t directly at-fault. Even if you’re a cautious driver with an excellent driving record, there’s always a chance that you’ll be involved in an accident caused by another driver. It’s important to ensure you’re covered during these times.
Insurance generally involves two parties:
- The policyholder, or first party
- And the insurance company, or second party
However, when the policyholder is liable in an accident, the other driver can file a claim — as a third party — through the first party’s insurance company.
If you’re involved in an accident where the other driver is at fault, you’ll need to know how to make a claim against their insurance. That’s where a third-party claim steps in. In a first-party claim, you use your own insurance company to cover costs. However, in a third-party claim, you use the other driver’s insurance to pay for your repairs, damages, and medical expenses.
Let’s review the details of third-party claims — and how you can make a claim against another driver’s insurance.
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how to make a claim against someone else's insurance
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