There are several types of "auto accident" claims, including accidents involving motorcycles, trucks, semis, bicycles and pedestrians.
When you are involved in an auto accident, there are several types of claims that you may be entitled to make, depending on your specific fact situation. They include:
First-Party No Fault Benefits: These benefits include payment of your medical bills, medically related mileage, wage loss, prescriptions, household services replacement, attendant care, and the like. Normally these benefits are provided by your own automobile insurance carrier. If you do not have auto insurance of your own, there are other insurers that you may be entitled to file such a claim with.
Third-Party Tort Claim: Such claims are made against the negligent or at-fault driver and their insurance company. If the negligent person is not insured, there may be other avenues of recovery for you.
Uninsured and Underinsured Motorist Claims: Depending on the coverage you purchased, there may be further potential claims if the responsible driver has very low insurance limits [the State only requires limits of $20,000 per person/$40,000 per accident], or is uninsured. It is very important to process such claims in a timely and correct manner, or you can inadvertently give up your right to pursue such claims.
Additional Claims: There may be additional claims available to you, depending upon your fact situation. Things such as the involvement of a government-owned vehicle or a drunk driver, or if the injury occurred during the course of your employment, may give rise to additional claims.