How to make a claim against someone else’s insurance
Manage episode 344918811 series 3407873
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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