First Party & Third Party Claims Alpharetta, GA

If you are concerned about an insurance claim and the potential for disputes, it helps to understand the basics of the process. First-party and third-party claims are the two most likely processes you will encounter.

Throughout either of these processes, there is the likelihood that disputes may arise. An insurance company may undervalue your vehicle, which will impact market value. Unfortunately, this can happen with your own insurance company or a third-party provider.

Although diminished value has much the same impact regardless of whose insurance company makes the appraisal, there are distinctions between first-party and third-party claims. Your position and negotiating strengths may depend on which scenario applies to your claim.

First-Party Claims (Insured)

  • If you have valid automobile insurance, you can file a first-party claim.
  • First-party policies are contracts involving two or more parties. You pay insurance premiums to benefit from coverage to vehicles covered by the policy.
  • Your designation on the policy is “the insured.”
  • The appraisal clause in your policy deals with disputes concerning the diminished value or actual cash value. “Rights to appraisal” is a term that also describes this process.
  • In a first-party claim, diminished value is owed to you.

Third-Party Claims

  • If another driver, individual, or entity is “at fault” for the damage to your vehicle, claims are made through a third-party policy.
  • In such scenarios, you are the claimant.
  • Any disputes that arise are negotiated through intermediaries or court.
  • If you wish to seek a remedy for diminished value, this must be done through a request to the insurance company.

Wreck Check Atlanta

At Wreck Check Atlanta, we can provide you with professional support when you are engaged in an automobile crash insurance dispute. Our team of experts will provide an independent report on the value of your vehicle after an accident.

We are independent of the insurance claims process, making any assessment and reports completely impartial. Call Wreck Check Atlanta today if you disagree with an insurance company’s decision related to the diminished value of your vehicle in Georgia.

Our happy clients!

Wreck Check Atlanta is the leader in Post Repair Inspections, Diminished Value Assessments and detecting Improper and Unsafe Repairs. Due to our success we have many satisfied clients that would like to tell you about their experience with our company.

  • Amazing! He told me early on how much money he was going to be able to get me and he was spot on. I paid a small fee to get thousands more in my diminished value claim than the insurance company was offering. Further, RJ was very easy to get in contact with. He responded to my emails almost instantly. The whole process went by so quickly once he was involved. I would recommend him to anyone.

    Hunter Owens
  • My insurance company offered me 37 bucks in diminished value. My case was slightly complex due to the insurance companies appraiser being stubborn and difficult. It had to be escalated to an unbiased umpire for a final binding decision. I wasn't expecting for it to go this far however it did. I ended up getting close to 3K back. RJ is extremely professional and he fights for you. The only issue to me is his preferred method of communication which is by email. Which i became accustomed to because he responds more prompt that way. He generated a 30 to 40 page report. He works extremely hard and for that I'm appreciative.

    Ricky Major
  • RJ is Awesome! He got me 10x what the insurance company offered on a 2 year old accident. Also, I traded the car in 7 months ago so I no longer had it. If I could share this experience with every person I see I would. I’ve already told several family and friends, it’s really just unbelievable to me! If you have any question what so ever, I promise his fee will be the best $275 you’ll ever spend!!

    Paras Raichura
  • Very responsive and professional. Helped me through the process step by step. I know that without their help I would not have gotten any money from the insurance company, literally pennies on the dollar without Wreck Check!

    Mayra Saldana
  • RJ Sweeney is very quick, effective, and efficient. He got me more money out of my car’s value after my insurance company low-balled me. Use him!!!

    Jessica Via
  • Helped us through the process. Very responsive. We were able to get more than we originally though. Thanks, RJ!

    Dani Senne
  • This was my first time working with a diminished value appraiser and RJ Sweeney made it an amazing experience. He helped me get 10 times the amount of the original offer from the insurance company

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Call Us: (770) 675-1828
Text Msg Line: (770) 759-8765
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