Depending on who is at fault, you can typically file a claim with either your insurer (a “first-party claim”) or the insurer of the other driver (a “third-party claim”).
If you file a claim with the other driver’s insurance company, they will conduct an investigation and negotiate a settlement once they are confident that the policyholder is responsible for your injuries or damages.
The laws governing first- and third-party claims in insurance are different from state to state.
For instance, in certain states, you should be under half to blame for a mishap to record a case with the other driver’s safety net provider.
Settlement courses of events are many times restricted by state regulation.
In New Jersey, for instance, an insurer has 30 days to settle a first-party claim and 45 days to settle a third-party claim.
45 In Pennsylvania, on the other hand, an insurer has 30 days to accept or deny a third-party claim and 15 days to accept a first-party claim.
