This is not a question that lends itself to a short answer, here is an outline:
1. After the incident, either the policyholder or the claimant (or his/her/its representative) must report the incident to the insurer. A timely report is usually a condition to coverage under the policy (if coverage is found to exist).
2. The insurer will commence an investigation of the occurrence. This may be done by in-house adjusters, or the insurer may hire outside adjusters to investigate.
3. Depending upon typr pg occurrence, elements of the investigation will include police reports, photographs, diagrams, witness statements, statements of the insured and as many other people as may have knowledge of the "who where, when, why, and how" factors.
4. Assuming that the claimant was injured, the adjuster will want to collect medical records of treating practitioners, therapists, and others. These will be assessed for objective and subjective complaints of injury, indicia of preexisting conditions, prescriptions, and other types of medical care and therapy.
5. The adjuster will also need to know how the injury has affected the claimant. Work records, including lost time/income, inability to perform work-related functions, etc. will be important. The adjuster will also want to know how the injury has affected other aspects of the claimant's life--participation in activities, etc. Age of the claimant will also be a factor, because (1) a serious, permanent injury will adversely affect a younger person longer; (2) a less-serious injury to a younger person is likely to heal better; (3) an injury to an older person will affect the person for a shorter time, but is less likely to readily resolve.
6. The adjuster will need to determine if there is any fault om the claimant. Depending upon the jurisdiction involved, the rule of law may be such that recovery of damages is precluded or reduced depending upon the fault factor (based on "comparative" or "contributory" negligence).
7. Most insurers have ranges within which they settle claims, based upon the above factors, and others. They also look to jury verdict research to determine what similar injuries are "bringing" when suit is filed and the cases go to trial. For the most part, the goal is to resolve a claim amicably if it is possible to do so. In fact, insurers have the obligation to settle a claim within policy limits (the maximum amount payable as liability benefits) if it is possible to do so, rather than subject the policyholder to suit and to the risk of a verdict against him/her/it that is in excess of policy limits. Insurers also consider the expenses that they incur in defending a lawsuit (defense attorney fees and court costs) in making the decision.
Yes, but only as a secondary coverage to all other auto insurance claims you might have (like bodily injury liability against the at fault driver or personal injury protection coverage in no-fault states).
In order for one to have insurance cover bodily injury one would have to have bodily injury insurance. This is good insurance to have as it would cover injuries to any persons that one injures in an accident. This liability insurance would cover any amount one is obligated to pay for injuries sustained and related costs.
yes of course.
passengers in my car should be covered since the california car insurance law requirement does not distinguish as to which person is covered by bodily injury liability insurance
No. Homeowners insurance is "Property Insurance" it does not provide coverage for personal injury to the insured. You should look to your medical insurance for coverage applicable to bodily injury and your life insurance policy for compensation for loss of life.
$25,000 per person for bodily injury, $50,000 per accident for bodily injury are required in Utah
No it does not.
Bodily injury liability insurance pays the cost of the medical bills if you cause an accident that leaves someone injured. This insurance can be cheaper but you want to buy the best policy you can afford.
There are no limits to insurance but there are MINIMUMS you must carry and they are: $15,000 for Bodily Injury Per Person $30,000 Maximum Total For Bodily Injury Accident Per Accident $5,000 Property Damage