After Jake runs a red light and damages Kelly's car, what type of claim can Kelly file?

The situation describes a scenario where Jake, having caused damage to Kelly's car through his negligent behavior (running a red light), creates a basis for Kelly to file a claim against Jake's insurance. In this context, a third-party claim is appropriate because Kelly is not filing a claim with her own insurance company; rather, she is seeking damages from another party's insurance, which is Jake's.

A third-party claim involves an injured party (Kelly) making a claim against the insurance policy of the party at fault (Jake). This type of claim allows the injured party to recover damages for their losses resulting from the actions of another individual. In this case, Jake’s actions led to property damage, making it clear that Kelly has the right to pursue compensation from Jake's insurance provider.

The other options refer to types of claims that imply different circumstances. A first-party claim involves an insured party seeking coverage from their own insurance for damages they have experienced. Indirect claims usually refer to scenarios where a party seeks reimbursement or seeks a claim through another entity rather than directly. Direct claims typically indicate immediate claims against a primary party rather than involving insurance directly. These distinctions clarify why the claim most fitting for Kelly in this situation is indeed a third-party claim.