A third-party claim is a claim filed by someone other than the policyholder or insurance company. If you have a car accident caused by someone else, you can file a third-party claim with the other driver's insurance to cover expenses related to the accident. If you have liability coverage, as required by most states, it's available to cover third-party claims that others may file when you're the at-fault driver. Through subrogation, your insurance company can now try to recover the payment you made to the insurer that originally denied fault.
Often, they will file the claim with the driver's insurance company on your behalf, after working with the other insurer to determine fault. In certain situations, your insurance company has the legal right to “subrogate,” meaning that it can ask the at-fault third party for reimbursement for an insurance loss. Although you won't submit the claim to your insurance company, call your insurer as soon as possible to report what happened. Keep in mind that while police officers sometimes determine fault, it can be a difficult and time-consuming task to prove to an insurance company that the insured driver caused the accident.
If you have rental vehicle reimbursement coverage under your own policy, you will have coverage for a rental car regardless of fault, within the limits of your policy. Don't expect the at-fault driver to contact your insurance company; it's up to you to report the accident to the other driver's insurance company. Otherwise, simply call the other party's insurer to file your claim using the information your insured provides you with about their car insurance. While the payment was meant to compensate you for the costs of repairing the car, your insurer doesn't require you to repair your vehicle.
Understanding how the claims process works, including reporting an accident, working with an insurance adjuster and repairing your car, if necessary, can make filing a claim easier and less stressful. If you are not insured by Progressive or are a Progressive customer without logging in to your account, you can report or view an existing claim here. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If you file a third-party claim yourself, you can create an at-fault party's insurance account and access their online claims portal, where you can file your claim and track the progress of the claim.
You file a collision claim against your own insurance policy because you need a new car as soon as possible.