Which of the following scenarios represents a third party claim?

In the context of insurance, a third-party claim occurs when an individual seeks compensation for damages or injuries caused by another person, who is typically insured. This type of claim involves three parties: the claimant (the person seeking compensation), the insured (the person who caused the damage or injury), and the insurer (the insurance company).

In this particular scenario, when a woman files an insurance claim because she was injured by an employee at a local bar, she is considered a third party. The employee represents the first party (the bar), and the bar’s insurance provider is the second party. The woman's claim focuses on seeking compensation for her injuries resulting from the actions of the employee.

This situation exemplifies a third-party claim since the woman is not filing a claim against her own insurance; instead, she is pursuing a claim against the bar's insurance for injuries inflicted by its employee.