Clearwater Third-Party Coverage Dispute Lawyer
Anyone in Clearwater who sustained vehicle damage in a collision caused by a careless or reckless driver may have recently filed a third-party liability insurance claim through the at-fault motorist’s auto insurance policy. Likewise, anyone in Clearwater who was recently injured on another party’s property may have recently filed a third-party liability claim through the property owner’s homeowners’ or commercial property insurance policy. When these types of claims are filed in a timely and complete manner, and the insurer does not offer a reasonable settlement, a third-party coverage dispute can arise. Contact our experienced Clearwater third-party coverage dispute lawyer today to discuss options available to claimants for resolving third-party coverage disputes in Florida.
What Is the Difference Between a Clearwater Third-Party Claim and a First-Party Claim?
When you are filing a third-party claim, it is important to understand the difference with a first-party claim. First-party claims are filed through a policyholder’s insurance company, through the agreement contained in their own insurance policy. Third-party claims occur when a third party files a liability claim through another party’s insurance company based on the coverage available in that party’s insurance policy.
Types of Third-Party Claims in Clearwater, Florida
It may be possible to file a third-party insurance claim in Clearwater to seek compensation for different kinds of losses. Motorists, as well as property owners, carry liability insurance in the event they cause harm to another party.
In third-party car accident cases in Florida, a claimant will typically have sustained damage to their vehicle as a result of a collision caused by the negligent driving of the insurance policyholder. To seek compensation through homeowners’ insurance, commercial property insurance, and other types of property liability coverage, the claimant might have sustained injuries in various ways. For example, the claimant might have slipped and fallen on the policyholder’s property as a result of negligent upkeep of the premises, or the claimant might have been bitten by a homeowner’s dog while lawfully visiting the property. In any of these circumstances, the injured person may be eligible to file a third-party liability insurance claim and to expect compensation.
Clearwater Third-Party Insurance Claims and the Duty to Settle
Insurance companies in Florida must act in good faith when they are investigating and processing first-party or third-party claims received, and insurance companies also have a duty to settle when coverage is available and the claimant’s losses are covered by the policy. If an insurance company does not attempt to settle a third-party claim when it should, the claimant may be able to initiate litigation. The claimant also may be able to raise the issue of bad faith, which can require the insurer to resolve the dispute quickly.
Contact Our Clearwater Third-Party Coverage Dispute Lawyers Today
Anyone in Clearwater who has filed a third-party claim after sustaining property damage or a related loss should seek legal assistance if the claim was denied. The firm of Geyer Fuxa Tyler is committed to representing claimants and policyholders in disputes with insurance companies, and we can assist you with any issue concerning your third-party claim. Contact our experienced Clearwater third-party coverage dispute lawyer today.