Understanding Insurance Claims After an Accident
A plain-language overview of how auto insurance claims generally work.
This article is general educational information, not legal advice. Laws vary by state.
- 1
First-party vs. third-party
A first-party claim is made with your own insurer; a third-party claim is made against another driver's insurer.
- 2
No-fault states
Some states require drivers to look first to their own personal injury protection coverage, regardless of fault.
- 3
Adjusters
Insurance adjusters work for the insurance company. Be accurate and consistent in what you share.
- 4
Recorded statements
You may be asked for one. Understanding your options before agreeing can be helpful.
- 5
Documentation
Repair estimates, medical records, and proof of missed work are commonly requested.