Third Party Insurance Claims
Our attorneys defend the rights of insurance companies
Third party litigation cases involving insurance companies can be complicated legal matters. If your insurance company is the focus of a third party lawsuit or a similar legal matter, it’s important to understand your rights and responsibilities as an insurance provider. That’s why it’s critical to consult with a lawyer who thoroughly understands this area of the law.
Our attorneys at Eller Tonnsen Bach, LLC provide insurance companies with the knowledge and expertise they need to skillfully navigate their way through such challenging legal cases. Our firm features insurance panel defense counsel attorneys with extensive experience representing insurance providers in South Carolina and North Carolina. We know the law, understand how the system works and can serve as your company’s legal counsel.
What is a third party insurance claim?
Third party insurance claims involve a claim filed with an insurance company by someone other than a policyholder. For example, if a construction worker sustains an injury at a work site caused by someone working for another company, the injured worker often files an insurance claim with the other company’s insurance provider.
Many third party insurance claims result in lawsuits filed against insurance companies in an effort to recover financial compensation (damages). Many of these lawsuits involve allegations of negligence or recklessness which resulted in the injury or accident.
If your insurance company is the focus of such legal action or someone has filed a third party insurance claim with your company, it’s important to have an attorney familiar with such cases on your side. Otherwise, your company could overlook an opportunity for resolving such a case in a favorable manner.
How do third party claims work?
Many insurance companies have their own, unique process for handling third party insurance claims. Insurance laws for individual states can also affect how the process works for third party claims.
In general, people can only file third party insurance claims if they live in a state with an at-fault based insurance system. Such states include South Carolina and North Carolina. Residents who live in a state with a no-fault insurance system typically cannot file a third party claim.
In general, the process starts with someone filing a third party insurance claim with an insurance company. An insurance adjuster then typically begins investigating the claim. At each step, insurance companies should consult with an attorney who can review the merits of the claim and explore all the legal options available to insurance companies.
What options are available to insurance companies?
Many options often exist for insurance companies dealing with third party insurance claims or lawsuits. Such options may include:
- Dismiss the claim based on lack of evidence.
- Challenge the claim based on insurance adjuster’s investigation.
- Make a settlement offer to resolve the claim.
- Defend the insurance company’s actions in court at trial.
In each case, an attorney can assist an insurance company in its investigation. A lawyer can review all applicable insurance policies, legal documents and contracts related to a particular case. That way, insurance providers can have a deeper understanding of the legal options available to their company.
Insurance companies have rights. Our law firm can fight for them. Contact us
The rights and responsibilities of insurance companies in third party claims can be complicated. Make sure your company is in compliance with all applicable state and federal laws before taking any action on such claims. Talk to an attorney at our law firm.
Our highly-skilled, detail-oriented lawyers have years of experience representing insurance companies throughout South Carolina and North Carolina. As a result, we’re familiar with different strategies and approaches designed to resolve such claims in a timely, cost-effective manner.
Discover what we can do for you. Contact our law firm and schedule an appointment with one of our attorneys. We’re the law firm insurance companies trust when it matters most.