Third-Party Claims After a Motor Vehicle Accident

No one plans to be injured in a motor vehicle accident. Insurance companies—and the legal requirement that Illinois drivers carry insurance—exist because accidents do happen.
 

If you were injured in a car accident where you were not at fault, you can usually file a third-party claim with the at-fault driver’s insurance company. A third-party claim is made by someone other than the insured driver or their insurance provider. This applies whether you were driving another vehicle, walking, or riding a bicycle when the accident occurred. In some cases, such as when a rideshare driver causes an accident, passengers may also file a third-party claim against the at-fault driver’s insurer.
 

Insurance companies are often reluctant to pay claims, whether they are from their own clients or third parties injured by their clients. While it is generally possible to recover compensation, obtaining a fair settlement can be challenging.
 

At Rathbun, Cservenyak & Kozol LLC, we are experienced in guiding clients through the claims process and fighting to secure the compensation they deserve. We understand that after an accident, you are likely dealing with injuries and medical treatment, missing work and income, and the expenses of repairing or replacing your vehicle. You may be entitled to recover these financial losses, as well as compensation for less tangible damages like pain and suffering. Our attorneys advocate aggressively to pursue the best possible settlement for you.
 

Car Accident Attorney in Naperville

Anyone injured by a negligent, insured driver can file a third-party claim with the at-fault driver’s insurance company. If the driver was uninsured or underinsured, you may need to file a claim with your own insurance provider.
 

Dealing with insurance companies is often one of the most stressful parts of the aftermath of a car accident. You may feel pressured to contact the other driver’s insurer quickly to start the settlement process. However, speaking to the at-fault driver’s insurance company before hiring an attorney can be a costly mistake. Remember, insurance companies exist to protect their profits—not necessarily to ensure you receive fair compensation.
 

Insurance companies often make early settlement offers that may sound appealing but are usually far lower than what you deserve. These initial offers are made before the full extent of your medical needs and lost wages are known. Accepting too soon could leave you without enough compensation to cover ongoing treatment or income loss. It’s important to be cautious and avoid settling prematurely.
 

Having an experienced attorney handle your third-party claim can remove the burden from your shoulders and often results in a more comprehensive and fair settlement. Our team has a strong track record of negotiating with insurance companies to ensure our clients receive the full value of their claims.