{"id":1849,"date":"2024-03-01T10:25:50","date_gmt":"2024-03-01T10:25:50","guid":{"rendered":"https:\/\/charming-narrative.mysites.io\/?p=1849"},"modified":"2024-03-01T10:26:02","modified_gmt":"2024-03-01T10:26:02","slug":"first-party-claims-and-third-party-claims","status":"publish","type":"post","link":"https:\/\/burwellnebout.com\/es\/first-party-claims-and-third-party-claims\/","title":{"rendered":"Understanding First-Party Claims and Third-Party Claims"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Understanding First-Party Claims and Third-Party Claims<\/h2>\n\n\n\n<p>In most states, it is required to carry some type of insurance if you operate a vehicle or own a home. Insurance can protect you and other parties if you are involved in an auto accident, or if your home is damaged for some reason.<\/p>\n\n\n\n<p>One of the ideas behind insurance is that it gives people peace of mind in the event of an emergency. It does so by assuring that they will have the funds to pay for damages to their vehicle or medical care if they are injured in an accident.<\/p>\n\n\n\n<p>However, understanding the different types of insurance and insurance claims is not always easy. Two of the most important types of insurance claims are called first-party and third-party claims. Knowing the difference between these two basic claims can be helpful if you are ever in the situation where you need to file an insurance claim.<\/p>\n\n\n\n<p>Here are the details of first-party and third-party insurance claims explained:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>First-party claims.<\/strong>&nbsp;This type of claim is between the policyholder and the insurance company and depends on the contract and specific type of policy the policyholder holds. For example, if your house suffers water damage in a flood and you know water damage is included in your homeowner\u2019s insurance, then you can file a first-party claim with your insurance company.<\/li>\n\n\n\n<li><strong>Third-party claims<\/strong>&nbsp;This happens when someone who is not the policyholder files a claim against an insurance company. For example, if you cause an accident and someone is injured, that person will likely file a third-party claim against your insurance company.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Determining who is at fault<\/h2>\n\n\n\n<p>The type of claim you file with your insurance company largely depends on who was at-fault in the accident. If you know you were at fault, you\u2019ll file a first party claim with your insurance. However, if another party was to blame for the&nbsp;<a href=\"https:\/\/www.nsc.org\/road-safety\/safety-topics\/fatality-estimates\">accident<\/a>&nbsp;or damage, you\u2019ll file a third-party claim under their liability insurance. Because it is not always clear who is at fault in an accident, insurance companies usually send their own team to investigate.<\/p>\n\n\n\n<p>If it is determined that you were at-fault, you can also expect your insurance premiums to go up after the claim is filed. If you\u2019re not sure what type of claim to file, we recommend contacting a knowledgeable\u00a0<a href=\"\/es\/league-city-motorcycle-accident-lawyer\/\">car insurance claims attorney in Texas<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Contact an experienced law firm in Houston<\/h2>\n\n\n\n<p>For nearly 50 years, Burwell Nebout Trial Lawyers has successfully represented thousands of injured Texans in virtually every type of personal injury matter. We have earned our reputation fighting for our clients and representing people, not insurance companies. If you have suffered a personal injury because of the negligence of another party, give us a call today at&nbsp;<a href=\"tel:2816455000\">(281) 645-5000<\/a>&nbsp;or email our team to schedule a free consultation.<\/p>","protected":false},"excerpt":{"rendered":"<p>Understanding First-Party Claims and Third-Party Claims In most states, it is required to carry some type of insurance if you operate a vehicle or own a home. Insurance can protect you and other parties if you are involved in an auto accident, or if your home is damaged for some reason. One of the ideas [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1850,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[10],"tags":[],"class_list":["post-1849","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-motor-vehicle-accidents"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Understanding First-Party Claims and Third-Party Claims - Burwell Nebout Trial Lawyers<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/burwellnebout.com\/es\/first-party-claims-and-third-party-claims\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding First-Party Claims and Third-Party Claims\" \/>\n<meta property=\"og:description\" content=\"Understanding First-Party Claims and Third-Party Claims In most states, it is required to carry some type of insurance if you operate a vehicle or own a home. 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