What is the difference between a 'first-party' and 'third-party' insurance claim after an accident?
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A
First-party is a claim against your own insurer; third-party is against the at-fault driver's insurer
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B
First-party is filed in court; third-party is filed directly with the insurer
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C
First-party covers medical bills; third-party covers property damage only
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D
First-party is for drivers; third-party is for pedestrians