What Is A Third Party Claim

A third-party claim is a claim made against another person or organisation, or against that party’s insurer, rather than against your own insurance coverage. In a car accident, for example, an injured driver may make a third-party bodily injury claim against the at-fault driver’s liability insurer. The claimant generally needs to establish that the insured party was legally responsible for the accident and that the claimed injuries or losses resulted from it. The insurer then investigates liability, damages and coverage. A third-party insurer’s obligations are different from the contractual duties your own insurer owes you, because you are not normally the policyholder under the other driver’s policy. “Third-party claim” can also have other meanings in different legal contexts, so the precise definition depends on the type of dispute. In personal injury matters, evidence such as accident reports, photographs, medical records, wage documentation and witness statements may be used to support the claim and establish the amount of compensation sought.