If you get into an accident and believe the other driver or another party is liable, you may file a third-party personal injury claim against the other party's insurance company. While you will want to notify your insurer in any case, you may demonstrate the other party’s negligence and recover compensation from the party's liability insurance coverage. Compensation in Third-Party Personal Injury Claims In a third-party claim, you may recover compensation if one or more negligent parties caused your accident, including: Economic damages - You may recover certain economic damages from liable parties, including all medical expenses, lost income, physical therapy and rehabilitation costs, and the cost of repairs or replacements for vehicles. Non-economic damages - In addition to economic damages, you may recover damages that account for the pain and suffering victims and their loved ones experience. These damages could include physical pain, psychological distress, and loss of enjoyment of life, among other personal losses. Wrongful death damages - If an accident resulted in a person's death, the victim's loved ones may recover damages for the costs of burial and funeral expenses and other losses suffered because of the person's wrongful death. Punitive damages - If a case goes to trial and a judge or jury finds a liable party acted with egregious negligence or malicious intent, victims may recover punitive damages. These damages make an example of negligent defendants to prevent similar behavior.