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Can I file an insurance claim for bodily injury liability in a one-car accident?
I was driving the other day when I swerved to avoid debris in the road. I ended up in a ditch. I'd had neck surgery before, so I went to the ER as a precautionary measure. Long story short, it ended up costing me $1,100. Can I file a claim in a one-car accident?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If you only have
liability coverage
on your policy, I’m afraid you’re out of luck. Liability insurance covers bodily injury suffered by others in an accident that you cause; it doesn’t cover your own medical expenses.For the future, you may want to add
medical payments coverage
to your policy. This covers your medical costs if you’re injured in a car accident, even if you’re the at-fault driver.”View full answer
- Gregory R.
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