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When a car, truck, motorcycle, or another type of accident threatens to disrupt your life, you need prompt legal help. Talking with insurers, negotiating claims, and navigating legal pitfalls can be difficult.
Are you filing a first or third party claim?
A knowledgeable car accident lawyer in Houston can swiftly assess the facts of your accident and determine what type of claim you need to file to help you recover fair maximum compensation when your accident was caused by the negligent or reckless actions of another driver.
The first-party is the insurance policyholder. The second party is the insurance company. When you file a claim with your own insurer for compensation after a car accident, you are filing what is known as a first-party claim.
So, if a first-party claim involves the policyholder and the insurance company, who is the third party in a third-party claim? Typically, third-party claims revolve around a liability issue with another person. This third person is neither the policyholder nor the insurer. For example, imagine you are riding as a passenger in a vehicle when suddenly the car is hit from the side.Unfortunately, your own insurance does not provide full compensation for the extent of your injuries. In this scenario, you would have the option of filing a third-party claim.
Filing a claim is not always in your best interest. Whether you should or should not file a claim depends on the facts of your case. In the event that there was minor or no damage to your car, you should not file a claim. However, if you or anyone else sustained injuries, talk to a lawyer about filing a claim.
Prior to filing, however, you should review your policy and ensure that you fully comprehend how your coverage works. Then, consult with a lawyer about what your next step should be. Your insurance rate is affected by certain factors such as whether you were at fault, and if you have a history of car accidents (fault or no-fault). If it is your first no-fault accident, your rate may be unaffected.Expect a rate increase if you are filing for a second or third claim, however.
Ryan A. DeHoyos focuses on helping accident victims obtain compensation for medical expenses, lost wages, pain and suffering, and other damages.Call (832) 745-4878 or contact us online to schedule a consultation to discuss your case with a skilled personal injury lawyer today.
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“As a client to this Law Firm, I found it to be rewarding base on their work ethics. With there expertise, knowledge, flexibility and being responsive to their client needs. They will see that their client receive the best outcome on there case. There are many people out there that have bad ideas about lawyers, but DeHoyos Accident Attorneys will make sure that you’re not stressed about anything pertaining to your case. I’ll recommend that you seek this Lawyer and Law Firm for any unraveling situation you might face.”
RIDLEY OSBOURNE
“I can’t say enough good things about DeHoyos Accident Attorneys! Mr. Ryan DeHoyos is extremely knowledgeable in his field of Personal Injury. I was injured in a motor vehicle accident last year and Mr. DeHoyos stopped at nothing to get me the compensation I deserved. He kept me updated on my case regularly and guided me to get the medical care I needed. Additionally, his staff is so kind and caring, especially Ashley… Thank you, DeHoyos Accident Attorneys for your professionalism in closing my case…and WINNING big!”
RAVEN DOLBERRY