There seems to be confusion about what constitutes a third party claim. For example, if your vehicle is struck by someone else and you have damage to your car, a rental expense, an injury, wage loss, and medical bills, which of those is a claim?
The answer is to break it down by type of damage. Okay, so how do you do that? Fortunately, you do not have to do that. The other person's insurance company will do it for you, if the other person was at fault. But, let me explain what they consider a claim. (It is different with your own insurance, but we will discuss that another time.)
Property damage: this includes damage to your car and any rental expense incurred
Bodily injury: this includes the wage loss, medical expenses and "pain and suffering." These are not three separate claims, but rather one claim. Each person has their own claim. So, if you and Junior are involved in a collision, you have a bodily injury claim and your child has a separate bodily injury claim.
I hope this helps answer this question
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