How Do Third-Party Liability Insurance Claims Work?
Third-party liability car insurance is a policy that covers the legal liability for damages to other people and their property in the event of an accident with a negligent third party. Under Missouri law, every motor vehicle driver is required to have third-party liability insurance coverage.
The minimum coverage amount required in Missouri is as follows:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$25,000 per accident for property.
This type of liability insurance covers several kinds of damage and expenses after a car accident, including the following:
Pain and suffering
So, if you’ve suffered damage or injury due to the actions of another, you do not have to spend your money on your medical bills or fixing the property damage. Even if you have already done so, you can still file a claim against the at-fault driver or the driver’s insurance company to get compensation. You can contact a skilled car accident attorney to help you understand your options in such circumstances.
Types of Third-Party Insurance Claims
Generally, two types of third-party liability insurance claims could apply in an accident case, depending on the state law where the accident occurred, as follows:
No-Fault Insurance Claim
In a no-fault insurance state, persons who have suffered damage from a car accident are made to pay for all associated expenses from their own insurance liability coverage. In this case, it is irrelevant that another caused the accident.
At Fault Insurance Claim
In an at-fault insurance claim state, the party filing the third-party claim has to show that another caused the accident before they can get compensated. Missouri is an at-fault state, so if you intend to file a third-party insurance claim here, you’ll need to show the auto insurance company proof that the insured driver caused the accident and the injuries you’ve suffered as a result before you can get compensated.
The evidence required could be in the form of police accident reports, medical reports, and bills/receipts. If you’re in the process of filing a claim, you can consult an experienced attorney to help you identify the specific documents and other evidence your case requires.
How Can an Attorney Help With a Third Party Liability Claim?
Sometimes even after filing your third-party claim and submitting the required proof/documents to the at-fault driver’s insurer, they may still refuse to pay you for your damages. In that case, you might need to involve your lawyer to help you with the process. The role of your attorney is to ensure that you get the compensation you deserve, and so they can take several steps to achieve this, including:
- Making sure that your insurance claim is correctly filed
- Negotiating with the insurance company where necessary
- Filing a lawsuit against the insurance company or the at-fault driver where necessary and representing you in court during the hearing.
Working with an attorney can make the third-party claims process much less stressful for you and increase your chances of success. Consider speaking with one today.
For questions about getting compensation after an accident, drivers’ personal injury protection coverage, or property damage liability coverage, contact us at the law firm of Buchanan, Williams & O’Brien. We are experienced personal injury lawyers in Missouri and have built a solid reputation for amazing client service over the years. We can answer your questions and help you devise possible solutions for your case.
Our trusted workers’ comp lawyers can also help you get compensation if you’ve been injured at work. You can contact us as soon as possible to speak with one of our lawyers and get started on your case.