refers to specific kinds of harm done to the body after an incident, such as bruises, burns, cuts, fractured bones, and nerve damage. When someone carries bodily injury insurance, it covers the costs of the other person involved in the accident.
For example, if you run a red light and strike a bicyclist, you may be held at fault for their injuries. Depending on your policy, bodily injury insurance may include all or some of their losses.
All states allow accident victims to pursue compensation from the liable party to cover the cost of their damages. To do this, you must prove that because of this otherwise avoidable situation, you have incurred expenses.
It is important to have relevant evidence that supports your account of events. To prepare for your claim, you will want to keep the following:
- Photographs or any videos of the accident
- The police report or any other law enforcement documents
- Medical records from injury-related examinations
- Proof of lost wages for any work missed after the accident
- Records of all communications between yourself and the insurance companies
- Receipts assigning a value to property damage