The Difference Between First-Party and Third-Party Insurance Claims

After an unexpected accident, filing an insurance claim can be an overwhelming experience. With multiple terms, processes, and legal considerations involved, it is important to tread lightly and carefully weigh your options.

One of the most significant differences is between first-party and third-party insurance claims. Understanding which type of claim applies to a particular situation can greatly impact your strategy and path to compensation. If you would like to learn more information relating to car accidents, contact the St. George car accident attorneys at We Win Injury Law today.

What Is a First-Party Insurance Claim?

A first-party insurance claim involves seeking compensation directly from your own insurance company. This type of claim often provides coverage for damages like medical expenses or lost wages, regardless of who was at fault. Examples of first-party claims include:

• Personal Injury Protection (PIP) Claims: If your auto insurance policy includes PIP coverage, you can file a PIP claim to cover medical expenses and lost wages resulting from an accident.
• Uninsured/Underinsured Motorist (UM/UIM) Claims: If you are involved in an accident with a driver who has no insurance or insufficient coverage, you can file a first-party claim with your own insurance company. 

What Is a Third-Party Insurance Claim?

A third-party insurance claim involves seeking compensation from the provider of the party responsible for causing your injuries. In this scenario, you are not dealing with your own insurance company, but rather with the at-fault party’s insurer.

For example, if you are injured in an accident caused by another person’s negligence, such as a car accident or a slip and fall, you can file a third-party claim against the at-fault party’s liability insurance. If you are injured on the job, you may be eligible to file a third-party claim against your employer’s workers’ compensation insurance provider. 

Which Option Is Right for You After an Unexpected Accident?

Determining whether to pursue a first-party or third-party insurance claim depends on the specific circumstances of your accident and the laws in your area. In Utah, which is a fault-based accident state, the party responsible for causing the accident is generally liable for the resulting damages. This means that if another party’s negligence caused your injuries, you have the right to file a third-party claim against their insurance company.

However, if you were responsible for the accident, you may choose to file a PIP claim under your own coverage. Additionally, if you were involved in an accident where the at-fault party cannot pay—such as a hit and run or a collision with an uninsured driver—a first-party claim may be in your best interest. It is important to speak with a personal injury lawyer about your optimal path to compensation. 

Navigate Your Insurance Claim with Confidence

If you have been injured in an accident and are unsure about navigating the complex world of insurance claims, you need a St. George injury attorney on your side. The Utah personal injury lawyers at We Win Injury Law can provide the support and guidance that you need. 

Our attorneys will support you through every part of the process, advocating for the compensation that you need and deserve. Whether you are pursuing a first-party or third-party claim, we have the knowledge and expertise to protect your rights. Contact us today at (435) 688-9558 for a free, no-obligation consultation.