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Who actually gets paid when a policyholder makes a claim?

If you have ever read your policy, then you know that auto insurance can be very complicated, especially when making claims. Still, there is no way around it. That is complicated. Who gets paid when a policyholder makes a claim? Who is claiming?Insured There are several primary factors involved in determining who gets the money. First, what to do with the person who pays for the loss. It almost always depends on who has caused the accident. If the insured (that's you) is at fault, the repair bill will be paid by your insurance company.
Other drivers If it is the fault of the other driver, the other driver's insurer is on the hook for the expenses. That is known as a "third-party" claim. That is, you, the damaged party, are accidentally seeking payment from the driver and his or her insurance company- two parties with whom you have no contractual agreement, hence the term "third-party."
Since there is no contractual agreement, the at-fault driver's insurance …