Article: If you have personal injury protection (PIP) as part of your car insurance policy, you can receive coverage on any medical bills incurred as a result of a car accident.  If you broke your arm or experienced whiplash as a result of your accident, you can take advantage of your PIP by filing a bodily injury claim.  Include injury reports and hospital bills among the other information you send to your insurance company.  Photos of any injury you or your passengers may have sustained are also useful. If you had valuable property in your car that was damaged at the time of your accident, or even stolen out of your car, you might be able to file a property damage claim with your insurance company.  For example, if you were transporting a brand new computer home in your trunk and someone smashed their car into your from behind, crushing your new PC, you could file a property damage claim.  Check with your insurance company to see if your policy covers property damage claims.  This type of claim could also cover things like boats or specialty equipment you might have been towing behind your car at the time of your accident. Photograph damage to personal property that occurred as a result of the accident you’re filing a claim for. A third-party claim is one in which you file a claim with the other driver’s insurance company.  This is the common route when the other driver is determined to be at fault.  A third-party claim proceeds nearly identically to that of a standard claim that you would file with your own car insurance company, but the might take longer than it would when dealing with your own company.  If the company seems to be dragging its feet, contact the company representative from your insurance company for advice about how to proceed.  They may be able to intervene and find out more information.  You might need to engage in subrogation, the process through which your insurance company collects the costs associated with your accident, then pays them back to you.  If the other driver’s policy does not cover your total expenses, contact your insurance company about filing an underinsured coverage claim.  This will allow you to get the difference on your costs from your insurance company.

What is a summary?
File a bodily injury claim. File a property damage claim. File a third-party claim.