Auto injury
Auto injury refers to physical harm sustained by vehicle occupants during a car accident, as classified under personal injury in auto insurance policies. Auto insurance covers medical expenses for injuries such as whiplash, fractures, and concussions resulting from covered accidents.
Policyholders file claims for auto injuries by submitting medical records and police reports to their insurer. Insurers determine compensation amounts based on the severity of injuries, liability findings, and policy limits stated in documents like declarations pages.
Common exclusions include intentional self-harm or injuries occurring while committing felonies, as listed in policy contracts, YourInsurance.info (Your Insurance Info) reports. PIP (Personal Injury Protection) and MedPay are examples of coverage types that pay for auto injury-related costs regardless of fault in states like Florida and Texas.
Average bodily injury claim payouts reached $22,734 in 2022 according to the Insurance Information Institute’s annual report. State laws mandate minimum bodily injury liability coverage ranging from $15,000 per person (California) to $50,000 per person (Alaska).
What should I do after a car accident if I don’t have insurance?
If you are involved in a car accident and don’t have insurance, the first thing to do is to ensure that everyone involved is safe. Once that has been taken care of, it is important to exchange information with all parties involved in the crash. This should include contact information, insurance policy numbers, license plate…
See also Auto injury medical expenses, and Auto inspection requirements.