What is Third-Party Claim?
Updated January 24, 2026
An insurance claim filed against another person's or entity's insurance policy seeking compensation for damages they caused.
Understanding Third-Party Claim
Third-party claims are the most common type of personal injury insurance claim. When another driver causes an accident, you file a third-party claim against their liability insurance. The at-fault party's insurer investigates and negotiates, but their duty is to their policyholder, not to you, which is why having your own attorney is important.
Examples
- 1Filing a bodily injury claim against the at-fault driver's auto insurance
- 2Claiming against a store's liability policy after a slip and fall
- 3Pursuing a claim against a dog owner's homeowner's insurance
Related Terms
First-Party Claim
An insurance claim filed by a policyholder against their own insurance company for losses covered under their policy.
Bodily Injury Liability
Auto insurance coverage that pays for injuries you cause to others in an accident, including medical expenses, lost wages, and pain and suffering.
Claims Adjuster
An insurance company employee or contractor who investigates claims, determines coverage, and evaluates damages to recommend settlement amounts.
Liability
Legal responsibility for one's actions or omissions. When a person or entity is found liable, they are legally obligated to compensate the injured party for their losses.
Uninsured Motorist Coverage
Insurance coverage that protects you if you're injured by a driver who has no liability insurance or insufficient coverage to pay for your damages.
For Personal Injury cases
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