What's the Difference Between First-Party and Third-Party Insurance Claims?

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A first-party claim is filed for harm or injury to the insured, while a third-party claim is filed for harm or injury to someone else.

Typically, an insured who suffers a car crash can make a first-party claim for compensation when:

  • the insured was not at fault;
  • no one was at fault;
  • the driver at fault cannot cover the insured's costs; or
  • the driver at fault has absconded and cannot be found, such as in a hit-and-run crash.

In any of these cases, the insurer may pay the full claim or offer a lower amount.

Awards & Recognition

What's the Difference Between First-Party and Third-Party Insurance Claims?

AWARDED TO JOHN C. (JACK) ZINDA BY THE NATIONAL TRIAL LAWYERS ASSOCIATION (2016-2020)

What's the Difference Between First-Party and Third-Party Insurance Claims?

AWARDED TO JOHN C. (JACK) ZINDA BY THE NATIONAL TRIAL LAWYERS ASSOCIATION (2017-2020)

What's the Difference Between First-Party and Third-Party Insurance Claims?

AWARDED TO JOHN C. (JACK) ZINDA (2016-2020), JOE CAPUTO (2016 – 2020) & BURGESS WILLIAMS (2016-2017) BY THE NATIONAL TRIAL LAWYERS ASSOCIATION

What's the Difference Between First-Party and Third-Party Insurance Claims?

LIFETIME MEMBERS JOHN C. (JACK) ZINDA, JOE CAPUTO, BURGESS WILLIAMS, NEIL SOLOMON, & JASON ALDRIDGE

What's the Difference Between First-Party and Third-Party Insurance Claims?

AWARDED TO JOHN C. (JACK) ZINDA (2009, 2011-2012, 2014-2021), JOE CAPUTO (2019-2021), BURGESS WILLIAMS (2019-2020), NEIL SOLOMON (2020-2021), & CHRISTINA HAGEN (2021) BY SUPER LAWYERS (A THOMPSON REUTERS COMPANY)

What's the Difference Between First-Party and Third-Party Insurance Claims?

MEMBERS JOHN C. (JACK) ZINDA (2017-2020), JOE CAPUTO (2019-2020), BURGESS WILLIAMS (2019-2020), NEIL SOLOMON (2019-2020), COLE GUMM (2019-2020), CHRISTINA HAGEN (2020) & BRENDAN MCQUAID (2020)

What's the Difference Between First-Party and Third-Party Insurance Claims?

LIFETIME MEMBERS JOHN C. (JACK) ZINDA & JOE CAPUTO

What's the Difference Between First-Party and Third-Party Insurance Claims?

AWARDED TO ZINDA LAW GROUP (2016-2019) BY THE AMERICAN INSTITUTE OF PERSONAL INJURY ATTORNEYS

What's the Difference Between First-Party and Third-Party Insurance Claims?

AWARDED TO JOHN C. (JACK) ZINDA IN 2015, 2016, 2017, AND 2020

What's the Difference Between First-Party and Third-Party Insurance Claims?

AWARDED TO JOE CAPUTO (2016-2019) BY THE AMERICAN INSTITUTE OF PERSONAL INJURY ATTORNEYS

What's the Difference Between First-Party and Third-Party Insurance Claims?

AWARDED TO ZINDA LAW GROUP IN 2018 BY INC.

What's the Difference Between First-Party and Third-Party Insurance Claims?

Awarded to John C (Jack) Zinda (2021) by the American Association for Justice

CLIENT TESTIMONIALS
What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?

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What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?

I did not know what to do. I had never been hurt in a wreck before and this was a major accident that was not my fault. I reached out to Zinda Law Group and they were fantastic, answered all my questions, got me help immediately, and took care of everything!!

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Former Client

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What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?

There comes a time when you need someone in your corner that you can trust. Our time came when we knew we needed the advice and counsel of an attorney. The day we walked into Zinda Law Group we knew we were covered.

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Johnathan-Former Client

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What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?

There is a reason why this law firm has a 5 star rating. My experience with personal injury attorney Joe Caputo and all of the staff at Zinda Law Group has been excellent... I would definitely recommend Zinda Law Group.

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Maria Ciara-Former Client

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What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?

This is a really great firm! They settled my personal injury case in a year. Throughout the whole process, they were keeping in touch with me and helping me get the best treatment possible. They honestly know what they are doing. It was a pleasure working with these guys.

Former Client

Roger-Former Client

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What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?

Everyone was so professional and was very interested in helping me with my issues. They were very upfront and honest about what I could expect.

Former Client

Terry-Former Client

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What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?What's the Difference Between First-Party and Third-Party Insurance Claims?

I contacted Zinda Law Group after getting nowhere on my own with a personal injury case. I am so thankful I did. They took it off my plate and handled everything from appointments, to phone calls, and emails.

Former Client

Dealing with Insurance Companies

Claims are complicated, however, and a history of on-time insurance premium payments does not guarantee prompt payment of the claim in full. The insurer must seek to maximize profits and, for that purpose, the company does what it can to minimize payments on claims or to deny a claim altogether.

After the car crash, the insured also may make a third-party claim against the insurer of the driver at fault. But contract law governs in first-party and tort law in third-party claims, so factual and legal issues can be complex and confusing for anyone who is not an expert. In such cases, the insured especially needs an attorney’s assistance.

Get Help from Skilled Personal Injury Lawyers

At Zinda Law Group, our skilled Austin personal injury attorneys can make sure the first-party and third-party claims are filed properly, as well as stop the insurers from taking unfair advantage of the claimant by abusing the process.

Legal counsel and effective advocacy can build comprehensive claims for fair and complete compensation for injuries. All potential personal injury plaintiffs should contact and consult with counsel at their earliest convenience for indispensable guidance and in claiming compensation for their unique circumstances.

Call us today at 800-863-5312 for a free consultation with one of our Austin personal injury lawyers.