No, you cannot file a bodily injury claim against your own insurance policy because bodily injury liability insurance covers other drivers' medical expenses when you cause a car accident. If you're injured in an accident caused by another driver, you would file a bodily injury claim against their insurance policy. Even if the at-fault driver uses the same insurance company as you, you can still file a claim against them, since the claim is against their individual policy.
If you live in a state that has personal injury protection (PIP) insurance or MedPay, you can file a claim with your own coverage after being injured in a car accident. This wouldn't be a bodily injury claim, though.
Key Things to Know About Bodily Injury Claims
If you did not cause the accident, most states allow you to file a bodily injury insurance claim against the at-fault driver.
If you live in a no-fault state, you will file a claim with your personal injury protection (PIP) coverage regardless of who was at fault for the accident.
If you were at fault for the car accident, your PIP insurance or your MedPay coverage will cover your medical expenses. If you don't have either type of coverage, you will have to rely on your regular health insurance.
If you were injured in an accident caused by a driver who does not have bodily injury liability coverage, you can use uninsured motorist insurance to cover your medical expenses up to your policy limits.
To learn more, check out WalletHub's guide to bodily injury liability claims.