In the realm of personal injury law, a 3rd Party Claim refers to a claim made by an injured party against a party who is not the policyholder of their insurance. This type of claim occurs when an individual seeks compensation from the liable party's insurance carrier, often after an incident like a car accident. Ensuring clarity in establishing fault and navigating insurance policies is paramount in these claims, necessitating a thorough understanding of insurance laws and regulations to secure fair compensation.