First Party Claims:
- First Party Claims are those that are filed through your own valid automobile insurance policy.

- The relationship between parties is contractual in nature.  In exchange for insurance premiums your policy extends coverage to vehicles listed on the policy.

- You are referred to as the Insured.

- Disputes for diminished value and actual cash value, in the event your vehicle is a total loss, are managed through a portion of your policy called The Appraisal Clause.  The process is also referred to as using your "rights of appraisal."

-Diminished value is owed to you. 

​*Residents of Kansas click here.

​Third Party Claims:
- Third Party Claims are filed through the insurance policy of the "at fault" driver, someone other than yourself.

- You are considered a Claimant through the process.

- Disputes are settled by negotiation or through the court system.

-You must request diminished value or the insurance company will not compensate you.





*Residents of Kansas click here.