An individual who was injured in an accident caused by an insured made a claim against the insured. This type of claim is known as a/an?

A claim made by an individual who has suffered injury or damage as a result of an accident caused by another party (in this case, an insured party) is classified as a third-party claim. This classification arises from the relationship between the parties involved: the claimant is a third party, not the insured (the person responsible for the accident) or the insurer (the company providing coverage to the insured).

In third-party claims, the individual usually seeks compensation for their losses directly from the insurer of the party at fault. This stands in contrast to first-party claims, where the insured party themselves claims against their own insurance policy for losses they have incurred.

Subrogation claims involve an insurer seeking reimbursement from the party at fault after paying out on a claim, while direct claims generally refer to situations where there is a straightforward, one-to-one relationship between the claimant and their own insurer. Understanding these classifications is crucial for recognizing how claims are processed in the context of insurance and liability.