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Legal Blog

Texas Insurance Claims: First-Party & Third-Party Claims

A Texas insurance claim is a request for compensation from an insurance company for covered losses. Once filled, the insurer reviews the details and, if approved, issues payment to the affected party. Insurance claims after accidents cover everything from property damage, lost wages, and medical costs, among various other losses and damages.

Personal injury claims are either a first-party insurance claim or a third-party insurance claim, depending on who is at fault. However, some things make the process confusing. Understanding the difference between a first-party and third-party insurance claim after a serious injury is crucial to recovering compensation.

To discuss any insurance issues about your accident or to get started fon your insurance claim, contact The Krist Law Firm, P.C. at (281) 283-8500.

We offer free initial consultations and never charge up-front fees. We only get paid when you recover compensation. So there is no risk in speaking with our highly experienced Houston injury lawyers.

First-Party Insurance Claims

A first-party insurance claim is when the policyholder files with their own insurance company.

There are several situations that require a first-party insurance claim. If you are at fault for an accident, you should file a claim immediately to cover your injuries.

In addition, first-party insurance claims are necessary for damages after a natural disaster.

Third-Party Insurance Claims

Third-party insurance claims are known as liability claims. This claim is between someone who is not the policyholder and the policyholder’s insurance company.

You should file a third-party insurance claim if you suffered injuries because someone was negligent.

Third-party insurance claims are filed after car accidents, commercial truck crashes, slip and falls, or following a wrongful death.

For example, if you are hurt in a car accident because the other driver was distracted, you file a claim with the at-fault party’s insurance company to cover:

  • Medical bills
  • Lost wages
  • Physical pain
  • Mental anguish

In some cases, you can file both a first-party and third-party claim. For instance, if the at-fault driver does not have sufficient insurance coverage, you should file both to receive the most compensation possible.

How to File an Insurance Claim

After an accident, you should contact your insurance company and/or the third party’s insurance company as soon as possible to get started. You will have to explain what happened and any injuries you sustained.

From there, a claims adjuster will investigate your case and give you an offer they think is fair for your damages. It is important to speak with an experienced attorney before accepting any offers from an insurance company because they might be offering you less than what you deserve.

Let The Krist Law Firm Help With Your Claim

Unfortunately, insurance companies will often offer people less than what they deserve. This is because insurance companies have their best interests in mind and not those of their policyholders.

That is why you need an experienced attorney who knows how to negotiate with insurance companies and who to hold at-fault parties responsible. We know when insurance companies are using bad faith tactics and are unafraid of filing a lawsuit and taking them to court.

Contact our attorneys at The Krist Law Firm, P.C. to schedule a free consultation today. We can get to know you, discuss the details of your accident, and how you can recover compensation.

Call (281) 283-8500 today, or contact us online to speak with an experienced Houston personal injury lawyer today.