How to File a Bodily Injury Claim

 How to File a Bodily Injury Claim 

If you had a car accident and suffered a personal injury, you will likely need to file a bodily injury claim or personal injury claim. In this post, we’ll show you how and when to do it, and what to expect afterwards.

Peter holding his knee

First and foremost, however, make sure you keep a record of your medical visits and any files related to the accident. Sometimes, the insurance company may even request that you visit a provider of their choosing.

 What is Bodily Injury Liability Insurance? 

Bodily Injury Liability (also referred to as BI or BIL) insurance is a type of liability car insurance that pays for any damages that you may cause to other drivers. If you suffer from an injury - which may include emotional distress - in a car accident, the other driver’s Bodily Injury Liability insurance will pay for any damages caused to your body.

 When to file with your own insurance company 

There are times when you will be responsible for submitting a claim to your own car insurance company. This is necessary when:

  • You were at fault for the accident
  • You live in a no-fault state. (A no-fault state requires personal injury protection, which pays for your injuries no matter who was at fault, as part of your liability insurance policy.)
  • You were the passenger

when a worker gets hurt

 How to File a Bodily Injury Claim 

When you file a Bodily Injury claim against someone else, these are called “third party claims.” Be sure to provide the following information of everyone involved, including:

  • Names
  • Contact information
  • The other driver’s Insurance information
  • Any information regarding the accident, which may include time, date, location, etc.
  • Pictures of the vehicles, property damages, special damages, and the accident, if possible
  • Police report, if applicable
  • Medical bill costs that you incurred (including hospital bills, emergency vehicle rides, ER visits, doctor orders, ongoing pain, etc.)
  • Proof of lost wages (for example, if you had to miss work to deal with your injury)

car almost hitting someone

 What Happens After I File A Bodily Injury Claim? 

The claim process may take a reasonable amount of time - you should expect hear back in a time frame dependent on your state and/or your policy. An agent may call you; in this case, be prepared to talk about the incident and any other details related to it. You will likely to talking to a liability claim examiner or adjuster.

Once you settle on a payment, know that your ability to collect payment for your claim may also come with a time limit. If this is the case, be sure to accept the settlement within the time frame listed. If you do not agree with the offer, you can file a lawsuit instead.

Once you are ready, sign the release form. The insurance company will ask you to waive all future rights to pursue the person and company for further payments after settlement. This is why it is important that you consider any future medical bills and expenses that might occur, whether they are one-time expenses or regular. If you’re unsure, consult an attorney to review the settlement and release.

Need to file a car insurance claim instead/as well? Check out our post to learn how: How To File A Car Insurance Claim .

Krista Doyle
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