personal injury lawyers

Fighting for maximum injury compensation for you and your family

No Fees Until We Win

Filing a Third-Party Claim After a Car Accident

It might be difficult to understand insurance claims after an automobile accident. Depending on who is at fault, it’s essential to know whether to submit a first-party or third-party claim. 

This article will walk you through the steps of making a third-party claim following an automobile accident, explaining how to establish liability, the function of an insurance adjuster, and how damages are determined. 

We will also go through how important it is to have legal representation so that you are informed at every stage of the negotiating and settlement processes.

Understanding Insurance Claims

When you have a car accident, you usually deal with insurance claims to help cover the cost of damages. There are two main types of claims: first-party claims and third-party claims.

First-Party Claim

A first-party claim is when you file a claim with your own insurance company. This is typically the step you take when you are at fault in an accident, or if the other driver does not have sufficient insurance. Your insurance company helps cover the repair costs, medical bills, and other expenses, depending on your policy.

Third-Party Claim

Conversely, a third-party claim is when you file a claim with the at-fault driver’s insurance company. If the other driver is responsible for the accident, you would approach their insurance provider to seek compensation for damages, medical expenses, and other costs incurred due to the accident.

Understanding these claim types is essential as it directly impacts how you receive compensation for losses incurred during a car accident. Knowing whether to file a first-party or third-party claim aids in efficiently navigating the post-accident procedures and ensures that you receive the appropriate support and compensation based on the circumstances of the accident.

Understanding Insurance Claims

Determining the At-Fault Driver

In the event of a car accident, figuring out who is at fault is crucial. This process often involves examining evidence like police reports, witness statements, and traffic laws to understand who was responsible for causing the accident.

The at-fault driver is the one whose actions, or lack of appropriate action, caused the accident, and they are usually responsible for the damages.

Addressing Fault

If you are determined to be at fault for the accident, it usually means that you or your insurance company will be responsible for the damages caused to the other party. This could involve covering the costs of vehicle repairs, medical expenses, and possibly other compensation depending on the severity of the accident and the laws of your state. 

It is imperative to cooperate fully and provide all necessary information during the investigation to ensure a fair and accurate assessment of the incident. Knowing your responsibilities and rights when found at fault can help in addressing the consequences appropriately and can aid in the resolution of the claim in a fair manner.

Role of an Insurance Adjuster

In a third-party claim, an insurance adjuster plays a vital role. The adjuster investigates the accident to determine who is at fault and assesses the value of the claim. They review evidence, interview witnesses, and examine medical reports to understand the extent of injuries and damages. 

Their goal is to figure out how much compensation the insurance company should provide to cover the damages. They are essential in ensuring that claims are evaluated fairly and that compensation is allotted correctly.

Role of an Insurance Adjuster

Calculating Losses for Compensation

To calculate losses for compensation, various factors are considered. These include:

  • Medical Expenses: Cost of medical treatment and rehabilitation.
  • Property Damage: Cost to repair or replace damaged property, typically the vehicle.
  • Lost Wages: Income lost due to inability to work after the accident.
  • Pain and Suffering: Compensation for physical and emotional distress experienced due to the accident.

By meticulously considering these aspects, an accurate estimation of the total losses and, consequently, the compensation amount can be reached, facilitating a fair resolution for all parties involved.

The Process of a Third-Party Liability Claim

When someone files a third-party liability claim, it means they are claiming that another driver caused the accident and therefore, owes compensation for damages. The process typically includes the following steps:

Filing a Claim

The injured person files a claim with the at-fault driver’s insurance company.


The insurance company investigates the claim to determine fault and the amount of damages.

Determination of Liability

After the investigation, the insurance company decides whether their policyholder is liable for the accident.

Negotiations and Settlement

  • Offer: The insurance company will make a settlement offer to the injured party.
  • Negotiation: There might be some back-and-forth negotiations between the injured party and the insurance company until they reach an agreement.
  • Settlement Agreement: Once both sides agree, they will sign a settlement agreement, concluding the process.

How a Lawyer Can Help in the Process?

Hiring a car accident lawyer can be pivotal in navigating through the intricacies of third-party claims. A skilled lawyer can:

  • Advocate: Represent the injured person’s interests and rights.
  • Negotiate: Work towards securing a fair settlement amount.
  • Provide Counsel: Offer advice and guidance on legal procedures and rights.
  • Handle Paperwork: Manage the necessary documentation and legal formalities.

A lawyer’s experience and knowledge can significantly impact the outcome of the claim, ensuring that the injured party receives the compensation they deserve. They provide the essential support and expertise needed to navigate the complexities of the legal and insurance landscapes, thus helping in efficiently resolving the claim.

Also Check: Newark Car Accident Lawyer


Can I pursue a third-party claim in a no-fault car insurance state?

Even in a no-fault car insurance state, you may be able to pursue a third-party claim if your damages exceed a certain threshold or if the accident involves severe injuries.

What compensation can I obtain in a lawsuit that isn’t available in an insurance claim?

In a lawsuit, you might obtain compensation for pain and suffering, emotional distress, and other non-economic damages that typically aren’t available through an insurance claim.


The process of making a third-party claim following an automobile accident must be understood in order for anyone seeking compensation for their injuries or losses to do so. From submitting a claim to discussing settlements, there are numerous processes involved in this process. 

In order to successfully negotiate the legal complexities and to ensure that the injured party’s rights are upheld and that they obtain fair compensation, it can be quite helpful to have an experienced attorney on your side. People can efficiently handle and resolve third-party claims relating to auto accidents by following the proper processes and consulting legal counsel when necessary.

Free Injury Case Evaluation

Send the form below and we will call you back in minutes.

…or Call Us Now