Mokaram Law Firm


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First-Party Insurance Lawyer

At Mokaram Law Firm, we understand the complexities and frustrations that can arise when dealing with first-party insurance claims. Our dedicated team of first-party insurance lawyers in Texas is here to ensure that you receive the compensation you are entitled to under your insurance policy. Whether you are facing delays, denials, or underpayments, we are committed to fighting for your rights and helping you confidently navigate the legal landscape.

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    150+ YEARS

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    $1 BILLION

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    First Party Insurance

    First-party insurance is a type of coverage that protects policyholders against losses directly. Unlike third-party insurance, which covers claims made by others against you, 1st party insurance deals with claims you make to your insurance company for your losses. This can include property damage, medical expenses, and other personal losses covered by your policy.

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    At Mokaram Law Firm, we take pride in our impressive track record of securing multi-million dollar settlements for clients
    in personal injury cases. Take a look at some of our notable victories:


    $12 Million

    Work Related Injury


    $5 Million

    Georgia Death Case


    $10 Million

    Jury Award for Fatality


    $8 Million

    Brain Injury Settlement


    $3 Million

    Car Accidents Settlement


    $1 Million

    Leg Amputation Settlement



    Pedestrian Case Settlement



    Motorcycle Case Settlement



    Food Poisioning Settlement



    Auto Accident Settlement



    School Bus Accident Settlement

    Our Process

    Our 1st party insurance lawyers follow a thorough process to ensure the best outcomes for our clients:

    Initial Consultation

    We start with a detailed discussion about your situation and insurance policy.

    Review of Insurance Policy and Claim

    Our team of first-party insurance lawyers in Texas will carefully review your policy and the details of your claim.

    Negotiation with the Insurance Company

    We will engage with the insurance company to negotiate a fair settlement.

    Litigation if Needed

    If negotiations fail, we are ready to represent you in court to fight for your rights.

    First-Party vs. Third-Party Insurance

    First-Party Insurance

    First-party insurance refers to coverage that protects you, the policyholder, from losses or damages. This type of insurance is a contract between you and your insurance company, ensuring that you are compensated for specific types of damages or losses as outlined in your policy.

    Coverage Scope: Protects against losses such as property damage, theft, personal injury, and other risks specified in the policy.
    Claims Process: You file a claim directly with your insurance company.

    Includes health insurance, homeowners insurance, and auto collision insurance.

    Third-Party Insurance

    Third-party insurance, if compared to 1st party insurance, provides coverage for damages or injuries that you may cause to another person or their property. In this arrangement, the insurance company covers claims made by third parties against you.

    Coverage Scope: Covers liabilities such as bodily injury, property damage, and legal fees if you are found responsible for an accident or incident.

    Claims Process: The affected third party files a claim against your insurance policy.

    Includes auto liability insurance, general liability insurance, and professional liability insurance.

    Here’s a quick comparison to help you understand their differences:


    Coverage For

    Claim Filed By


    Policyholder's Role

    First-Party Insurance

    Your own losses and damages

    Policyholder (you)

    Health, homeowners, auto collision

    Receive compensation for covered losses

    Third-Party Insurance

    Damages or injuries caused to others

    Third-party affected by your actions

    Auto liability, general liability

    Responsible for compensating third parties

    Meet the Best First-Party Insurance Lawyers

    Introducing our team of skilled and experienced lawyers specializing in cerebral palsy  cases

    Reviews From Our Clients

    Discover the firsthand experiences of Mokaram Law Firm’s clients as they share their success stories in fighting personal injury cases.

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    Has Your Insurance Claim Been Unjustly Delayed, Undervalued, Or Rejected?

    Complete our form to determine your eligibility for a free and confidential case review from our highly skilled first-party insurance lawyers in Texas.


      Frequently Asked Questions

      A first party insurance refers to the policyholder or the insured individual in an insurance contract. This party is the one who owns the insurance policy and is entitled to receive benefits or compensation under the terms of the policy in the event of a covered loss or claim.

      Also known as comprehensive insurance, full insurance covers a wide range of potential damages, including theft, fire, vandalism, natural disasters, and damage to your own vehicle in an accident. It provides the highest level of protection, including coverage for both the policyholder’s and third-party’s damages. On the other hand, third-party insurance only covers damages or injuries caused to another person (third party) or their property in an accident where you are at fault.

      An OD policy, or Own Damage policy, is a type of motor insurance that specifically covers damage to your own vehicle. This includes losses due to accidents, theft, natural disasters, vandalism, and fire. An OD policy provides financial protection for the repair or replacement of your own vehicle in case of covered incidents.

      First-party claims are made when the policyholder experiences a loss or damage covered by their insurance policy. These can include filing a claim for damage to your own vehicle after an accident under your comprehensive or collision auto insurance, claiming for damage to your home due to a fire or natural disaster under your homeowner’s insurance, or seeking compensation for theft or vandalism under a relevant insurance policy.

      First-party risk refers to the potential for financial loss or damage to the policyholder’s own property or assets, which is covered by their insurance policy. It involves risks directly affecting the insured individual or their property rather than liabilities to third parties.


      Past results do not guarantee future performance. The $1B amount reflects the NFL concussion MDL settlement not an individual claim.

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      Sorry! Can't Help You
      If There Was No Injury Then There Is No Claim to be Filed.

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      We can't provide a valuation for the claim if the accident is reported as "at fault" or if there's no clear determination of fault.

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