What You Need to Know About Bodily Injury Claims

UPDATED: September 28, 2018

No one wants to be in a car accident but sometimes there are things that are beyond your control. as much as you do not want to think about it, you have to know what to do when a car accident happens. When an accident happens, it is crucial that you file for a car insurance claim immediately. This is to ensure that you have a quick payout.

auto accident lawyerWhat is Bodily Injury Claims?
Bodily Injury Claims is a car insurance coverage. You have to know that car insurance companies offer bodily injury liability car insurance to provide the drivers with compensation for the injuries that they sustained in the accident. The insurance will also pay for the other driver’s injuries even if it is your fault.

When to file?
You have to understand when to file with your insurance company. You should file if it was your fault. You should also file if you were a passenger. For this, you need to check with each insurance company about their policies. Lastly, you should file if you reside in a no-fault state, which requires a PIP (Personal Injury Protection) as part of the liability insurance policy.

What do you need for a Bodily Injury Claim?
When you file, you should provide the company with pieces of information. You have to collect the names and the contact information of everyone involved in the accident. You should also collect the insurance information from everyone. On top of that, you need to collect the pictures of the vehicle and the surrounding area of where the accident happened.

If the company requires it, you should get a copy of the police report. This can help with the company’s investigation especially when determining liability. More importantly, you should gather medical bills and other documentation from your medical provider. During the process, expect that your claims adjuster will ask you different questions.

auto accident lawyerHow to strengthen the claim?
Keep in mind that a lack of medical documentation will significantly hurt your Bodily Injury Claim. However, you have to know that just one visit to the emergency room will not help much. It is important that you visit your doctor after the emergency room visit. It is better to document your appointments including your treatment plans.

At some point you may feel that the negotiations are not going well, you can consider auto accident law firms. Looking for an attorney can significantly help your case especially if you are demanding more compensation for serious pain, injury, and suffering. You also need a lawyer for when the adjuster finally agrees on a number.

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