Car insurance is designed to protect you in the case of an accident. However, it’s also designed to protect you in a situation where you aren’t directly at-fault. Even if you’re a cautious driver with an excellent driving record, there’s always a chance that you’ll be involved in an accident caused by another driver. It’s important to ensure you’re covered during these times.

Insurance generally involves two parties:

1. The policyholder, or first party
2. And the insurance company, or second party

However, when the policyholder is liable in an accident, the other driver can file a claim — as a third party — through the first party’s insurance company.

If you’re involved in an accident where the other driver is at fault, you’ll need to know how to make a claim against their insurance. That’s where a third-party claim steps in. In a first-party claim, you use your own insurance company to cover costs. However, in a third-party claim, you use the other driver’s insurance to pay for your repairs, damages, and medical expenses.

Let’s review the details of third-party claims — and how you can make a claim against another driver’s insurance.

Source Material:
how to make a claim against someone else's insurance

• Get a Car Insurance Quote
• Elephant's Multi-Car Discount
• About Elephant Insurance
• Elephant Reviews
• Elephant's Blog - The Glovebox
• Elephant Careers
• Partner With Us
• Elephant FAQs
• Elephant Terms of Use
• Elephant Insurance Privacy & Security
• Elephant's Responsible Disclosure