Did You Know ...
The Difference Between First- and Third-Party Insurance?
LEGALINSURANCEAGENCY. COM 817.618.6381
MONTSERRAT O S WA L D
When dealing with insurance, it’s not uncommon to see eyes glaze over and for information to be met with a blank stare. Insurance can be a complicated process and system, and while personal injury attorneys and insurance experts can offer their clients a wealth of knowledge and guidance, it’s vital that you also understand a few of the basics. This will help you protect yourself and allow you to spot inconsistencies. One of the most common distinctions to understand is the difference between first-party and third-party insurance claims. Their names may give it away, but let’s dig into the background more. First-party insurance refers to policies held by you for the payment of repairs and medical expenses you — or others on your plan — need. A first-party insurance claim would include paying a medical bill with your health insurance or the payment for a car repair with car insurance. So, when you break your arm cleaning out the gutters, a first-person insurance claim can help you pay for those medical expenses. Texas-Sized LAUGHS
Regardless of what it’s used for, just as the name suggests, first-party insurance is used by the party that holds the policy.
When you’re in an accident and seeking compensation, you are likely going to be dealing with third-party insurance claims. These are policies held by other parties involved in your accident and through which you are seeking compensation or bill payment as a result. So, in the event of a vehicle accident where you are not at fault, you may seek to file a claim with the other driver’s insurance company for compensation. This would be a third-party insurance claim, since you are an outside party filing on that policy. Knowing the difference between these two claims will allow you to determine which steps to take when you need to file a first- or third-party claim. As both insurance and personal injury experts, our team at Aulsbrook Law can help you file with your insurance company and/or another company, speak with adjusters, and understand the next best steps forward in your search for proper compensation.
Call us today to learn more about your options or if you have further questions about your case.
CATHY’S HOPKINS COUNTY STEW RECIPE
INGREDIENTS
DIRECT IONS
1. Boil chicken for 2 hours, then
• • • • • • • • • • • • •
1 whole chicken
remove and keep the broth. Allow chicken to cool and chop meat into bite-size pieces. Add chicken pieces back into the pot. 2. Peel, slice, and add the carrots to the broth, cooking 15 minutes. 3. Add potatoes and chopped onion. 4. When veggies are done, add corn, seasonings, butter, and V8 juice. Simmer 1 hour. 5. Serve with crackers, cornbread, and cheese. Enjoy!
4 carrots
5 potatoes, peeled and chopped
1 large onion, chopped
2 tbsp vinegar
4 tbsp chili powder 2 tbsp black pepper
2 tbsp salt
2 tbsp sugar
1/2 stick butter
1 can corn
1/2 can creamed corn 1 large can V8 juice
3
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