In some accidents, you might have to file what’s called a “first party claim.” This is:
- An insurance claim you file with your own insurance policy.
Normally, an injury claim in California is a “third party claim” because you’re filing against someone else’s insurance policy. That’s the main difference between a first party claim and a third party claim. No matter what type of claim you need to file though, our team of personal injury lawyers at Maison Law will be there to explain things. Set up a free consultation today.
What are Some Examples of a First Party Claim?
Going up against any insurance company after an accident is tough–even if it’s your own. That’s because your goals and their goals are different. You want financial help to pay for your losses, and they want to save as much money as they can while still covering your policy. But it’s helpful to be prepared, and one way of doing that is looking at some of the more common types of first party claims:
- Collision claims. You can file a collision claim when your car is damaged in an accident, regardless of who caused it.
- Medical payments or personal injury protection (PIP) claims. These claims help cover your medical bills if you are injured in a car accident.
- Property damage claims. You can file a property damage claim when your home is damaged from fire, storms, or other events your homeowner’s policy covers.
- Personal property claims. These claims cover the repair or replacement of your belongings if they’re damaged or taken.
After an accident or loss, one of the hardest parts is figuring out how to pay the bills. Medical expenses from injuries, lost income from missed work, or repair costs can add up fast. That’s why you have insurance—but when you file a first-party claim with your own insurer, the process can feel complicated. With our team at Maison Law on your side, you don’t have to go through it alone.
Maison Law Can Help You Handle Your First-Party Insurance Claim in California
Dealing with insurance companies is one of the worst parts of a personal injury case in California. And it can get even more confusing when you’re filing with your own insurance company with a first party claim. If you’re in that situation, our team at Maison Law can:
- Break down your options in a way that’s easy to understand.
- Collect the information and evidence your insurance company is using to evaluate your claim.
- Look closely at what happened so your claim doesn’t get held up by unnecessary delays.
- Handle all the back-and-forth with your insurance company on your behalf.
- Push back if the offers you’re getting aren’t fair or don’t cover what you need.
Our goal is to keep your claim moving smoothly so you can focus on recovering and getting your life back. If you’re unsure about what to do next, we’ll go over your situation together and help you figure out the best way forward. Set up a free consultation today.
