What is a third-party insurance claim?

A third-party insurance claim is a claim made against an insurance company by someone other than the policyholder or insured. In North Carolina, this type of claim generally involves an automobile accident involving two drivers, one of whom is insured by the other driver’s insurance company. In this case, the driver who was not at fault (the third party) would file a claim with the at-fault driver’s insurance company. The insurance company would then investigate the claim and determine whether the policyholder is liable for the damages. If so, the insurance company would be responsible for compensating the third party for their losses, such as property damage, medical expenses, and pain and suffering. These claims are also common in cases involving homeowners insurance and other forms of liability insurance.

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What is a third-party insurance claim?

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