When First-Party Paths Are Useful
Your insurer may process collision or MedPay before third-party liability resolves.
This can reduce treatment and transportation disruption after a crash.
Insurance Tactical Guide
Filing a Claim Through Your Own Insurance in Colorado
First-party claims can provide faster access to repairs and medical support, especially when third-party liability is delayed.
Key Steps
- Confirm collision, MedPay, and UM/UIM availability.
- Document every payment and deductible impact.
- Preserve subrogation and reimbursement records.
Deductibles and Reimbursement Tracking
Track deductible payments and reimbursement status if fault is later assigned to another driver.
Keep claim documents organized for subrogation and settlement coordination.
Frequently Asked Questions
Will using my own insurance always increase rates?
Rate impact depends on fault, policy terms, and insurer practices. Not-at-fault treatment differs by situation.
Can I still pursue the other driver after using my own policy?
Yes, in many scenarios third-party recovery can continue while first-party benefits are used.
What records should I keep in first-party claims?
Keep policy declarations, payment summaries, repair records, and all adjuster correspondence.