Motor Vehicle Accident Claims:
Types Of Claims

Not all vehicular accidents are the same. There are different types of accidents because of the difference of their severity. Insurance companies also distinguish between accident claims, and determine which damages a driver qualifies for based on these categories. Before you start the process of filing for motor vehicle accident claims, review these four types of claims first.

• Bodily injury claims – If you are involved in a car or truck accident that causes you to sustain an injury, then you will need to file a bodily injury claim. In most bodily injury accidents, victims will file a claim with the at-fault driver's insurance company.
• Property damage claims – Property damage claims cover damage to vehicles and property that occurs because of an auto accident. These damages can be anything from a truck crashing into a home, to a car hitting a mailbox. The insurance company of the at-fault driver is responsible for compensating the damage. In these cases, liability is determined by the car, not the driver.
• Windshield claims – Claims to repair scratched, cracked, or chipped windshields fall under comprehensive auto insurance coverage. Deciding whether or not it is worth filing a windshield claim can be tricky though.
• Third party insurance claims – When filing an auto insurance claim you have one of two options: going through your own insurance company (first party) or the insurance company of the other driver involved in the accident (third party). If you feel the other driver caused the auto accident, filing a third party insurance claim is best since you avoid having to involve your insurer.

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