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If I have property damage or another loss but do not have insurance, what can I do? PDF   E-mail
If your property has been damaged or stolen and you do not have insurance, there are circumstances which would allow you to pursue a claim against any negligent party responsible for the loss.  This is referred to as a “third-party claim”.  Sometimes third-party claims can be resolved without the need for a lawsuit to be filed, but quite often a lawsuit is necessary to determine whether a party was negligent or not or liable based upon another legal theory.