Auto Accident: Third Party Claim and Myths About Adjusters

third party claim

What is a third party claim and what do you need to know?

Anytime you’re involved in an auto accident and it was not your fault, you potentially have a third party claim.

If the at fault party has liability insurance, then when you file a claim with their insurance company and you have a third party claim. I have read quite a few articles that give a lot of bad information about adjusters. The thing I have noticed about those articles is that none of them were written by an insurance adjuster! I’d be willing to bet that if you have not been an insurance adjuster, then you believe insurance adjusters are almost as bad as used car salesmen or attorneys, hehehe. It is a common view. I can’t speak for every single insurance claims office out there, but I can say that I have worked for 5 different non-standard companies as an adjuster, and I have worked on contract for many standard companies as a recovery specialist with a firm.

I have never been instructed to deny any valid claim, nor have I been advised to “low-ball” claimants. This might happen at some companies, but it is definitely not the norm. Insurance adjusters (if they care about their license) will usually try very hard to fairly resolve claims. I will say that I have definitely dealt with some companies that have some “questionable” practices. I won’t name names, but some of these companies simply attempt to cut costs by hiring inexperienced adjusters and giving them a “rule-book”. It is the inexperience of the adjuster in interpreting the “rules” that causes the majority of the issues.

FIND OUT THE UNWRITTEN RULE AND MORE – CLICK HERE!

BIG Loopholes in Uninsured Motorist Claims Exposed

UM claims exposed

As a veteran adjuster and automobile damage claim litigation specialist, I have seen countless claims where the at fault party is unknown.

No problem if you have uninsured motorist coverage, right?

Wrong!

Click here to read the rest of the article and find out important facts you need to know about your Uninsured/Underinsured Motorist coverage that may make you shiver in your boots!

CLICK HERE TO READ MORE ABOUT UM

How is Fault Determined in an Auto Accident?

fault argument

The subject of determining fault has no doubt spawned many a fist fight, and the debate on the best way to allocate fault is still alive and well.

This subject can get very complicated, but I’ll try and simplify it down to a quick study.

I have to say that negligence laws differ in each State, so I am going to generalize and speak about negligence and fault as it is addressed in the vast majority of the United States, and we’ll omit specific exceptions due to locale.  If you have a specific question about tort liability or negligence in auto accident, please seek out a competent attorney or professional.  The information presented here is not legal advice and is for informational purposes only. Read more

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