Después de ser herido en un accidente por lesiones personales, hay varios pasos que debe seguir para iniciar el proceso de recuperación de la indemnización. Uno de los pasos principales consiste en trabajar con su compañía de seguros. Sin embargo, es posible que no se dé cuenta de que puede haber más de una compañía de seguros a considerar.
Es posible que deba presentar una reclamación contra su propia compañía de seguros. Es posible que también deba presentar un reclamo contra la compañía de seguros de otra persona. Su abogado de lesiones personales en Las Vegas puede ayudarlo a determinar con qué compañía necesita presentar un reclamo.
¿Qué son las reclamaciones de seguros de terceros y de terceros?
Las reclamaciones de seguros de terceros y de terceros son formas diferentes de realizar reclamaciones de seguros. Un reclamo de seguro de primera persona es un reclamo que usted realiza directamente contra su propio seguro. Un reclamo de seguro de un tercero ocurre cuando usted presenta un reclamo al proveedor de seguros de otra persona.
Muchas personas no saben que cuando se lesiona en un accidente por lesiones personales, un reclamo de primera persona o un reclamo de terceros puede ser apropiado. En algunos casos, es posible que deba presentar una reclamación tanto de primera parte como de terceros. La diferencia entre la designación de la primera y la tercera parte es si su reclamación es a través del seguro que obtiene y paga por usted mismo o el seguro que otra persona compra para cubrir sus propias responsabilidades.
What is a first person claim?
A first party insurance claim occurs when you file a claim with your own insurance company after an accident or injury. You are the one who takes out the insurance policy and pays the bill.
So, you have an accident. You notify your insurance company of the accident and ask them to pay you fairly for your losses under the terms of the contract.
You can file a first-person insurance claim for any of the following types of insurance coverage:
- Uninsured motorist coverage
- Underinsured motorist coverage
- Medical bills under a Med Pay policy
- Collision and comprehensive coverage.
- Rental coverage if you need a rental car while waiting for repairs
What you can claim depends on your contract
What you can claim depends on the terms of your contract. If you have coverage for one type of loss, you can file your claim and ask the insurance company to pay you. You may be paid up to the limits of your policy for that type of damage.
What is a third party claim?
A third party insurance claim is a claim you make against someone else’s insurance policy. A third party claim is more likely to occur when you are injured due to someone else’s negligence, and they have insurance to cover that type of liability.
To make a claim for a third party, you determine who your insurance provider is. You notify the insurance provider of the claim. If your insurance policy covers that type of loss, you may be paid up to the policy limits.
An example of a third party claim
You are standing at an intersection. There are stop signs in all directions. It is your right-of-way, so you proceed to the intersection. Another driver runs his stop sign and hits you.
You have damage to the vehicle, a broken arm and a whiplash. The other driver has an insurance policy that covers liability for physical injury and property damage. You bring a claim for payment to your insurance provider. You have submitted a third party insurance claim.
How do I know which claim to submit?
Usually, when deciding where to file an insurance claim, you look at who is at fault for the accident. In most car accident cases and any type of personal injury claim, the person causing the accident usually pays for the damages.
If the fault is not immediately apparent, you may need to file a first-person claim and a third-party claim. Also, if you have adequate insurance coverage, you can file a claim against your own insurance company if the other party is underinsured or underinsured.
What is the claims process?
Whether you file a first-person claim or a third-party claim, the claim begins when you notify the insurance company of your losses. They assign a claim number, and designate someone to investigate called a claims adjuster. You must tell the adjuster what your damages and losses are and how your losses occurred.
The investigator may ask you for more information. The adjuster makes a decision. They may agree to pay you what you ask for, pay you less, or deny your claim entirely. If you do not agree with the adjuster’s decision, you may consider further negotiating, or you may file a formal claim with the court.
Bad faith in third party insurance claims
A significant difference between first and third party insurance claims in Nevada is that only first party claims allow you to plead bad faith. An insured person can claim that the insurance company is acting in bad faith when they refuse to pay a valid claim. If the insurance company refuses to pay a claim in bad faith, you may owe the insured person additional damages and penalties.
In Nevada, you can only claim bad faith if you file a first-person claim. Bad faith damages are not available on third party insurance claims. In the Gunny v. Allstate Ins. In the Co. case , the Nevada Supreme Court said the bad faith allegations do not apply to third party insurance claims.
First Party Claims and Subrogation
If you file a first-party claim, your insurance company may want the other party’s insurance company to refund you if the other party is at fault for your personal injury .
This is called insurance subrogation . If subrogation applies, your insurance company pays you and the other party’s insurance company reimburses your insurance company.
How a Personal Injury Attorney Can Help
From deciding where to file your claim to helping you with the claims process, your attorney can ensure that you take the right steps to successfully file your claim. Your attorney can help you provide the information you need to give to the insurance company without making statements that could harm your case.
An experienced attorney will help you defend yourself if the insurance company refuses to pay you fairly. You don’t need to go to this alone; Your attorney will help you every step of the way to ensure you get the maximum compensation possible.
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