Can you file a bodily injury claim to your own carrier?

Not unless they at fault driver is uninsured and you have uninsured motorist coverage.

For injuries, you must file your claim against the at-fault party's insurance company. If they don't have insurance, you can file your claim with your own insurance carrier under your own uninsured motorist coverage if you have it. Property damage (to your vehicle is different.) If you have the appropriate coverage, you can go though either carrier but if you go through yur own carrier you will have deductible to pay. It sounds like maybe you need to hire an attorney to assist you. Good luck.

Yes, depending on your coverage. Generally, you will have to pay any deductible, until your insurance can collect against the negligent driver. However, it is often much better to go through the negligent party's insurance. I would recommend consulting with a personal injury attorney to assist you with your claim.

Only if the other person is uninsured, or if you collect full amount of their policy and it's not enough to cover your damages, then you can possibly make an underinsured motorist claim. Your ins co isnt interested in helping you collect your damages. Consult with a lawyer.

As you see, CA is considered an at fault state rather than a no fault state. So unless it is an uninsured motorist claim, the answer is no.

Thanks to the cunning and mathematically capitalistic minds who run auto insurance companies, a person "buys" basic insurance to cover other people who get hurt. To cover one's self for getting hurt, a person must also buy uninsured motorist insurance (UIM). The UIM policy can provide insurance coverage for inuries to the insured should the other driver not have coverage or have insufficuent (under insured) coverage. - Paul Paul J. Molinaro, M.D., J.D. Attorney at Law, Physician, Broker Fransen & Molinaro, LLP 980 Montecito Drive, Suite 206 Corona, CA 92879 (951)520-9684 www.fransenandmolinaro.com / www.888MDJDLAW.com "When you need a lawyer, call the Doctor... Call Paul J. Molinaro, M.D., J.D... Call (888)MDJDLAW." * This post and all others I make on Internet are for informational purposes only. None of the information or materials I post are legal advice. Nothing I post as comments, answers, or other communications should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing of this information does not constitute, an attorney-client relationship. While I try to be accurate, I do not guarantee accuracy. ** Fransen & Molinaro, LLP practices in the areas of personal injury, medical malpractice, and real estate law.

Generally, the procedure is to first attempt to go after the at-fault's insurance policy. Then, two things may possibly happen. One, the at-fault party does not have insurance, at which time you file a claim under your uninsurred motorist policy, assuming you have one with your own insurance company. Two, the at-fault party's insurance company settles with you for the entire policy amount, which would happen if the damages warrant it, at which point you file a claim with your own insurance company, again assuming that you have uninsurred motorist coverage.

If they don't have insurance, a personal injury lawyer would go after your UM coverage on your own policy.

The practical answer is no. There are some first party insurance coverages that might apply, but in the end you should consult an attorney about making a claim against the other party, and then determine your full scope of rights.