Filing an insurance claim can be confusing, and unfortunately insurance companies often make it that way. Many Californians are not sure whether they should file a first-party or third-party claim, or what their rights are under each type. Dealing directly with insurance companies without proper guidance can lead to denied claims, reduced settlements, or missed deadlines. In this post, we break down the differences between first-party and third-party claims, highlight common mistakes to avoid, and share practical tips to help you protect your rights.