First party claims are claims brought by a policy holder against their own insurance company. A first party claims deals issues regarding uninsured or underinsured motorist coverage. This is when a person is injured by a driver who does not have insurance or does not have enough insurance, ends up submitting a claim with his or her own insurance company.
First party claims can involve matters such as health insurance, medical payment coverage, disability insurance, property damage insurance, business interruption insurance, and other points of that nature where the policy holder is submitting a claim under his own policy of insurance.
Any instance where a policy holder is submitting a claim under his own insurance policy is considered to be first party coverage. Anytime an insurance company is dealing with a claim that is their own policy holder, they have a duty to treat the policy holder reasonably and in good faith. The failure to treat one of their own policy holders reasonably and in good faith could give rise to a claim for damages above and beyond the contract benefits.
Our office handles many types of first party claims on behalf of consumers and small business owners.
Every claim is different. Many times, an insurance company’s position is reasonable and denial of the claim is justified.
If you are having a problem with an insurance company on a first party claim and you would like more specific advice or believe that you need help in dealing with the claim, please feel free to call our office for a free consultation.