A bodily injury claim is a claim placed against your insurance policy regarding injuries suffered by anyone not on that policy due to the negligence of you or someone else on your policy. To determine the general value of a bodily injury claim, you will need to add up the hard costs, called “special damages” including:
Medical or chiropractic bills
Therapy or treatment bills
Out-of-pocket expenses related to the injury
Cost of replacement services, like lawn care
Lost income