Should you Accept the Insurance Company's First Offer?

What is the Difference Between a First Party and Third Party Insurance Claim?

Posted by Guy DiMartino | Apr 01, 2013 | 0 Comments

Florida personal injury lawyer, Guy S. DiMartino, DC, JD explains first party and third party insurance claims.

A client called the office the other day very concerned about his case.  One of his healthcare providers spoke to an insurance adjuster on the case and the insurance adjuster told the provider that he was the “third party” adjuster and he was not paying the medical bills.  My client called up because there weren't “three cars” in the accident.

This statement made me think that lawyers and insurance adjusters will throw terms around frequently without making sure that people who don't deal with this stuff every day know what they are talking about.

First Party INSURANCE Claim

The term first party claim applies to claims that you, “the insured”, make against your insurance policy.  The following are typical first party claims:

  • Personal Injury Protection “PIP” claim
  • Medical Payments Claim
  • Uninsured Motorist Claim
  • Underinsured Motorist Claim
  • Collision Claim
  • Comprehensive Claim
  • Sinkhole Claim
  • Homeowner's Claim
  • Fire Claim
  • Life Insurance Claim
  • Private Disability Claim

Third Party INSURANCE Claim

A third party claim is a claim that is made against another party's insurance company.  An example of third party claims are:

  • Bodily injury car accident Claim
  • Premises liability Claim
  • Auto Property Damage Claim

Why does it matter?  Because in theory the insurance adjuster should treat a first party claim different than a third party claim.  The insurance company should treat their own insured much better than another party.  Does this really happen in practice? No.  Also, if you have to bring some first party claims against your insurance company, the insurance company may be responsible for your attorney's fees.

If you have any questions about a Florida insurance claim, you can call me directly on my cell at (352) 267-9168 or fill out the internet consultation form on the right.

About the Author

Guy DiMartino

I have loved helping people in need for almost three decades.  It has been my privilege to serve people as their pastor, chiropractor, and lawyer.  The current focus of my legal practice and life’s passion is helping the seriously injured receive complete compensation for their injuries. I am a Florida Board Certified Civil Trial Attorney. What that really means is that I am no stranger to the courtroom.  I have successfully tried and handled serious cases in state and federal courts.  My backgrounds in both law and chiropractic medicine have given me a unique perspective, extensive knowledge, and wide experience to serve those I represent. For years as a chiropractic physician, I treated my patients to alleviate their pain and suffering. Now as their lawyer, I fight to bring them financial compensation for their pain and suffering. During my years of service, I have handled many traumatic injury cases ranging from the traumatic amputation of a limb to brain and spinal cord injury.  I consider it an honor to serve you and your family. When a person entrusts me and I accept to represent them, I don’t take that relationship and responsibility lightly. My approach is that we work as a team. We are partners and our goal is the best outcome for you and your family with the highest level of communication throughout. I am always available by phone or email to discuss my potential representation of your injury case. I handle cases throughout Florida. Education: National University of Health Sciences – BS (1984), DC (1986) Valparaiso University School of Law – JD, summa cum laude (1999) Bar Admissions: Florida (2000), Indiana (1999), Illinois (2000, expired); US District Courts of Appeals (11th Circuit, 7th Circuit); United States District Courts: Southern and Middle Districts of Florida; Northern and Southern Districts of Indiana; Northern and Central Districts of Illinois; and District of Colorado. Certification:  Civil Trial, Florida Bar Guy DiMartino on Google+ – Circle Guy on Google+ Guy DiMartino on Google+


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