Usually, to decide where to file an insurance claim, you look at who’s at fault for the accident. In most auto accident cases and any personal injury claim, the person who causes the accident typically pays for the damages.
If the fault isn’t immediately apparent, you may need to bring a first-party claim and a third-party claim. Also, if you have the appropriate insurance coverage, you may bring a claim against your own insurance company if the other party is underinsured or uninsured.
It’s always a good idea to consult with an experienced law firm when it comes to personal injury cases and insurance claims. The amount of time it takes to file your claim and the compensation you can recover could vary greatly if you have an expert lawyer on your side.