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What does the third-party insurance agent in a car accident do?

There are two types of insurance claims in a motor vehicle accident case.  The first party claim is your claim with your car insurance policy. The third party claim is the claim you bring against any responsible parties with the aim of having the insurance company pay you for your damages.

The third party insurance agent, in North Carolina and Virginia, doesn’t work for you. They work for the at-fault party and for their own company. Their goal is to minimize the amount they pay car accident victims. They often try to make a quick settlement in the hope that you, the victim, won’t consult a lawyer. They know a settlement will bar all new claims for damages relating to the accident.

The third party insurance company will investigate the cause of the accident, will talk to all relevant witnesses, will have doctors they work with who will try to say your weren’t really hurt and will try to avoid paying for car damage. Additionally, they will try to settle all your claims including your claim for pain and suffering for a low amount.

Third party insurance carriers are required to pay your damages if their insured was at-fault for the accident. The bills our law office will try to make the third party carrier pay are:

  • Medical bills – past and future.
  • Car and property damage – you’re entitled to a car that drove and looked like it did before the accident
  • Lost wages – past and future
  • Pain and suffering –past and future
  • Additional sums such as money for disfigurement
  • Any sums the first party carrier paid.

How our firm can help

Anyone who has been in a car accident, in North Carolina or Virginia, or who knows someone who was killed in a car accident because of the negligence of another needs to have legal help. Contact Norfolk Injury Lawyer Joe Miller at www.JoeMillerInjuryLaw.com or 888-694-1671 for more information on how to proceed, how to work with your doctors, and whether you might have a significant recovery coming your way.


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Elizabeth City, NC 27907

If you are looking at this site, you or a loved one has probably been hurt. If that's true, you've come to the right place. Helping people who have been hurt is what we do. In fact, it is all we do. Joe Miller Law is a law firm concentrating exclusively on representing people who are injured by the carelessness of others or those hurt on the job. We provide the highest quality legal services to people who have been seriously injured. We practice Personal Injury law and Workmens' Compensation law in both Virginia and North Carolina.