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Dealing with third party insurers in Ohio

With more vehicles on the road than ever before, most Ohio drivers will be involved in a car accident at one time or another. If the accident was the other driver's fault, there are certain things that a victim might do after the crash. It may be necessary to interact with the other driver or discuss matters with their insurance company.

A claim filed with another driver's insurance company is called a third party claim. Because at-fault drivers are often reluctant to report crashes to their insurers, it may be a good idea to contact any relevant insurers directly to file a claim. A victim might take photos of any property damage immediately following the crash and gather medical records and evidence of lost wages or other personal damages. In conversations with third party insurers, though, a person should be careful to relay only the facts surrounding the accident.

The goal of the at-fault driver's insurance company is to handle damage claims as quickly and cheaply as possible. The relationship may not be adversarial, but it can be important to note the difference in motivations. Injured parties may be able to collect from their own insurance companies as well, through first party claims. Not all policies include first party coverage, but many provide for payment in the event that the at-fault driver is uninsured or under-insured.

Cases may get contentious if the at-fault driver is dishonest about the car accident or if the third party insurer denies or undervalues a claim. Those who have questions about the process may want to consult an attorney for advice. An attorney with experience in personal injury law may be able to evaluate the strength of a potential claim or assist during interactions with insurance companies.

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