Insurance Coverage or Denial of Claims What types of insurance coverage are there? Insurance coverage consists of two basic types. The first type of insurance coverage you buy protects your health, your belongings, and/or your self against injury or illness. This is called first party insurance. The point is that the insurance company pays you or someone acting on your behalf. The premiums you pay end up translating into payments by the insurance company to you for loss or damage to your belongings. The second type of coverage is what is known as third party coverage. That is coverage to protect you against claims or lawsuits brought against you by other persons or businesses. If you are involved in an accident in your car, and somebody claims it is your fault, and they make a claim or bring a lawsuit, you turn that over to your third party liability insurance company, generally known as your automobile insurance company. Here are some common types of insurance. Learn more by clicking on one of the following: Automobile Insurance Disability Insurance Health/HMO Insurance Homeowners Insurance What kind of insurance coverage do I have for my car? Within automobile insurance coverage, there is usually both first and third party coverages. The subject of insurance can be very complicated, and takes many twists and turns. Usually, some physical injury or damage must occur to bring about coverage, but that is not always the case. How do I know if my insurance covers my claim? If you have questions arising out of your automobile, homeowners, general liability, umbrella, health or other coverage, please don't hesitate to call us. Contact Us!