While no one wants to deal with the insurance companies, we tend to be grateful for them when we need them. Insurance companies run a very lucrative business and they make their money by keeping it; not giving it away freely. So, it is often difficult to get what you deserve from your own insurance company, not to mention the company of the other party in an accident. It might be confusing and aggravating dealing with third party auto insurance claims, but you will find the process a little easier if you know at least something about the process.
Why is it Third Party?
Third party auto insurance or liability insurance is used to pay the claimant for damages done. Many drivers have liability insurance as it only covers one party and is a bit cheaper than other forms of insurance, such as the kind that covers both drivers along with auto repairs and medical treatment. In the United States, just about every state requires a driver to have at least third party insurance of some kind and you’ll be happy to have it should you ever need it. There are two types of liability insurance: property damage and bodily injury. Each category covers different items and together most issues will be covered.
What to Do
Filing a third party insurance claim is pretty much the same as filing other claims. Now, ideally, if you are the party who is not at fault, all you have to do is repair your car, see the doctor, and just let the other party’s insurance handle the ordeal. This is rarely so easy in practice, though. You see, insurance companies are in business to make money so they will certainly want to try and save money when they can and that could mean cheating you out of what you deserve. So you need to take action and inform not only your insurance company but the other party’s as well of the extent of your injuries and your intention to seek damages.
Lawyers: A Valuable Commodity
The sad fact is that there will be some people who try to lie and cheat their way out of trouble. Not only this, but the other insurance company may even put up unnecessary obstacles to slow the claim process. A lawyer should be able to help you with any issues and problems you may encounter as you seek compensation. The lawyer will also be able to file the necessary paperwork and make sure that any medical treatment or body shop work was carried out under permission and will be covered. Seeking a third party insurance claim can be stressful, but in the end, well worth it.
