Types of Insurance Claims

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Types of Insurance Claims in Austin

For Austin insurance holders, there are many ways to answer a question about the various types of insurance claims. Some people might note that there are car insurance claims, business liability claims, homeowner’s insurance claims, and the like. One might also view this question in terms of first party and third party claims. If you are an insurance holder, then you have probably contemplated these terms. If you run into problems with an insurance provider, you will need to know how these different insurance claims work. You will also need a good attorney to fight against insurance provider malfeasance. This is where the lawyers at Zinda Law Group can help.

First party insurance claims

If you have insurance on your home and your home burns down, then you might file a first party insurance claim. You are the owner of the home and the holder of the insurance policy. This makes you a party to the insurance agreement directly, and you have the right to file a claim with your insurance company to recoup some of the damage. Unfortunately for many people, the process does not always play out so cleanly. There are many things that can go wrong when it comes to filing this kind of claim.

The attorneys at Zinda Law Group understand that there might be times when you file a claim only to find that the insurance company is jerking you around. An insurance provider might delay in paying your claim, and they might deny your claim outright. Insurance providers can find a number of technicalities if they want to, and they’re often willing to act in bad faith. When this happens to you, it’s important to have a good lawyer on your side. A good attorney can force the issue with the insurance provider, letting them know that you mean business with your claim.

Third party insurance claims

In the insurance world, a third party claim happens when someone who is not party to an insurance policy files a claim against that policy. For instance, if you have vehicle liability insurance and you are involved in a wreck, the other driver might file a third party claim against your insurance. These claims can be similarly important to you if you happen to have caused some damage. If your insurance company fails to honor the third party claim, then you might be liable for the damage on your own. In those cases, the third party might file a lawsuit against you personally if the insurance company does not comply.

If you are facing these sorts of issues, you would be wise to contact an attorney. A good lawyer will help you make it through your insurance problem without losing too much sleep. Whether you have to file a lawsuit against your insurance company or you just want to put pressure on the insurer in settlement discussions, the attorneys at Zinda Law Group can help. They provide clients with experienced and skilled representation on a host of insurance matters.