Insurance Tactical Guide

Filing a Claim Through the Other Driver's Insurance

Third-party claims can recover damages from the at-fault driver's policy, but fault and causation disputes are common.

Key Steps

The at-fault insurer evaluates liability, injury causation, and valuation before making offers.

Disputed fault can delay payment even when crash facts appear straightforward.

Send organized records early: photos, report IDs, treatment notes, and wage-loss evidence.

Written evidence reduces ambiguity and improves negotiation leverage.

How fast should I open a third-party claim?

As soon as practical. Early notice helps preserve timeline and evidence quality.

Can I use my own insurer first instead?

Often yes, depending on coverages. First-party and third-party paths can run in parallel in some cases.

What if the other insurer delays decisions?

Keep written records, set response deadlines, and consider legal escalation if delays become unreasonable.

CrashStory

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