{"id":2402,"date":"2021-01-18T18:41:41","date_gmt":"2021-01-18T18:41:41","guid":{"rendered":"https:\/\/www.mesrianilaw.com\/3-types-of-car-accident-claims\/"},"modified":"2025-06-10T12:04:01","modified_gmt":"2025-06-10T12:04:01","slug":"3-types-of-car-accident-claims","status":"publish","type":"post","link":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/","title":{"rendered":"3 Types of Car Accident Claims"},"content":{"rendered":"<p>Most of us have either been in a car accident or knows someone who has been injured in one. If you\u2019ve suffered an injury from a car accident, you will need to file a claim to get compensated.<\/p>\n<p>In California, there are the 3 types of car accident claim you could file including:<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Property Damage (PD) Claim<\/strong><\/h2>\n<p>Property damage claim covers damages to property as a result of the accident. For example, a PD claim can cover damage caused to gates, fences, houses, trees, lamp posts, or telephone poles.<\/p>\n<p><strong>Property damage liability coverage is often referred to by three numbers like 15\/30\/5. In this example, the coverage for an accident is:<\/strong><\/p>\n<ul class=\"imptoo\">\n<li>$15,000 for injury or death to a single person<\/li>\n<li>$30,000 for injury or death per accident<\/li>\n<li>5,000\u00a0for property damage<\/li>\n<\/ul>\n<p>Mandatory coverage limits vary by state. In California, the minimum property damage liability coverage is $5,000\u00a0for property damage<strong>.<\/strong> \u00a0Drivers have the option of carrying a higher amount if offered by their insurance company.<\/p>\n<p>Property damage liability insurance usually doesn\u2019t cover damages to your car. For that, you\u2019ll need other types of coverages such as collision coverage.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Bodily Injury (BI) Claim<\/strong><\/h2>\n<p>Bodily injury liability insurance covers injuries to other drivers and passengers.<\/p>\n<p><strong>In California, all drivers are required to carry bodily injury liability insurance. At a minimum, each driver is required to have 15\/30 insurance coverage. This means:<\/strong><\/p>\n<ul class=\"imptoo\">\n<li>$15,000 for injury or death to a single person<\/li>\n<li>$30,000 for injury or death per accident<\/li>\n<\/ul>\n<p>Drivers can choose to carry policies with higher limits, but cannot have lower than the state-required minimum amount. Many California insurance companies offer policies with higher limits.<\/p>\n<p>Bodily injury liability insurance pays for the other party\u2019s medical bills when they\u2019ve been injured in an accident caused by the policyholder.<\/p>\n<p><strong>Bodily injury liability insurance can cover a range of costs including:<\/strong><\/p>\n<ul class=\"imptoo\">\n<li>Ambulance bills<\/li>\n<li>Emergency room or hospital bills<\/li>\n<li>Chiropractor bills<\/li>\n<li>Short- or long-term care<\/li>\n<\/ul>\n<p>A BI claim can also cover physical or occupational therapy costs.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Personal Injury Protection (PIP) Claim<\/strong><\/h2>\n<p>In California, PIP is optional insurance that covers medical expenses if you\u2019ve been involved in an auto accident. One of the advantages of having PIP insurance is that it will provide essential compensation &#8211; regardless of who is at fault.<\/p>\n<p>If your case goes to court and you end up losing, the financial results could be overwhelming. With PIP, your insurance would pay \u2013 regardless of the outcome of your case. So even if you lose your case, PIP will still cover your expenses.<\/p>\n<p><strong>Examples of costs covered under PIP insurance include:<\/strong><\/p>\n<ul class=\"imptoo\">\n<li>Hospital bills<\/li>\n<li>Doctor bills<\/li>\n<li>Ambulance bills<\/li>\n<li>ER visits bills<\/li>\n<li>X-rays or MRI bills<\/li>\n<\/ul>\n<p>On the other hand, PIP claim payment can be significantly less than a payment obtained by an injury claim because pain and suffering compensation isn\u2019t included.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Consult with a California Personal Injury Lawyer Today<\/strong><\/h2>\n<p>Our personal injury law firm has decades of experience handling all types of car accident claims. If you\u2019re a victim of a car accident, you have the right to claim damages against the party at fault. Our experienced car accident attorneys at <a href=\"https:\/\/www.mesrianilaw.com\">Mesriani Law Group<\/a> can help you with your car accident claims. Contact us today to see how we can help you get the maximum compensation you deserve.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most of us have either been in a car accident or knows someone who has been injured in one. If you\u2019ve suffered [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2403,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[23,1],"tags":[],"class_list":["post-2402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-accidents","category-personal-injury"],"acf":[],"contentshake_article_id":"","yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.5 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Different Types of Car Accident Insurance Claims | Mesriani Law Group<\/title>\n<meta name=\"description\" content=\"Learn the different types of car accident claims-Mesriani Law explains liability, insurance, and how to recover maximum compensation\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mesrianilaw.com\/es\/blog\/types-of-car-accident-claims\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Types of Car Accident Claims\" \/>\n<meta property=\"og:description\" content=\"Learn the different types of car accident claims-Mesriani Law explains liability, insurance, and how to recover maximum compensation\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/\" \/>\n<meta property=\"og:site_name\" content=\"Injury and Accident Lawyer\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-18T18:41:41+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-10T12:04:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2021\/01\/claim-form-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1920\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rodney M.\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rodney M.\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Different Types of Car Accident Insurance Claims | Mesriani Law Group","description":"Learn the different types of car accident claims-Mesriani Law explains liability, insurance, and how to recover maximum compensation","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.mesrianilaw.com\/es\/blog\/types-of-car-accident-claims\/","og_locale":"es_ES","og_type":"article","og_title":"3 Types of Car Accident Claims","og_description":"Learn the different types of car accident claims-Mesriani Law explains liability, insurance, and how to recover maximum compensation","og_url":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/","og_site_name":"Injury and Accident Lawyer","article_published_time":"2021-01-18T18:41:41+00:00","article_modified_time":"2025-06-10T12:04:01+00:00","og_image":[{"width":2560,"height":1920,"url":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2021\/01\/claim-form-scaled-1.jpg","type":"image\/jpeg"}],"author":"Rodney M.","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Rodney M.","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/#article","isPartOf":{"@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/"},"author":{"name":"Rodney M.","@id":"https:\/\/www.mesrianilaw.com\/es\/#\/schema\/person\/df2b7bb98e5d531a8489e08b8eb658da"},"headline":"3 Types of Car Accident Claims","datePublished":"2021-01-18T18:41:41+00:00","dateModified":"2025-06-10T12:04:01+00:00","mainEntityOfPage":{"@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/"},"wordCount":549,"publisher":{"@id":"https:\/\/www.mesrianilaw.com\/es\/#organization"},"image":{"@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/#primaryimage"},"thumbnailUrl":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2021\/01\/claim-form-scaled-1.jpg","articleSection":["Car Accidents","Personal Injury"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/","url":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/","name":"Different Types of Car Accident Insurance Claims | Mesriani Law Group","isPartOf":{"@id":"https:\/\/www.mesrianilaw.com\/es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/#primaryimage"},"image":{"@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/#primaryimage"},"thumbnailUrl":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2021\/01\/claim-form-scaled-1.jpg","datePublished":"2021-01-18T18:41:41+00:00","dateModified":"2025-06-10T12:04:01+00:00","description":"Learn the different types of car accident claims-Mesriani Law explains liability, insurance, and how to recover maximum compensation","breadcrumb":{"@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/#primaryimage","url":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2021\/01\/claim-form-scaled-1.jpg","contentUrl":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2021\/01\/claim-form-scaled-1.jpg","width":2560,"height":1920},{"@type":"BreadcrumbList","@id":"https:\/\/www.mesrianilaw.com\/blog\/types-of-car-accident-claims\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.mesrianilaw.com\/es\/"},{"@type":"ListItem","position":2,"name":"3 Types of Car Accident Claims"}]},{"@type":"WebSite","@id":"https:\/\/www.mesrianilaw.com\/es\/#website","url":"https:\/\/www.mesrianilaw.com\/es\/","name":"Mesriani Law Group","description":"Injury and Accident Lawyers Website","publisher":{"@id":"https:\/\/www.mesrianilaw.com\/es\/#organization"},"alternateName":"Mesriani Law","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.mesrianilaw.com\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/www.mesrianilaw.com\/es\/#organization","name":"Mesriani Law Group","url":"https:\/\/www.mesrianilaw.com\/es\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.mesrianilaw.com\/es\/#\/schema\/logo\/image\/","url":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2025\/12\/cropped-ico.png","contentUrl":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2025\/12\/cropped-ico.png","width":512,"height":512,"caption":"Mesriani Law Group"},"image":{"@id":"https:\/\/www.mesrianilaw.com\/es\/#\/schema\/logo\/image\/"},"publishingPrinciples":"https:\/\/www.mesrianilaw.com\/personal-injury-faqs\/"},{"@type":"Person","@id":"https:\/\/www.mesrianilaw.com\/es\/#\/schema\/person\/df2b7bb98e5d531a8489e08b8eb658da","name":"Rodney M.","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2022\/10\/rm-150x150.png","url":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2022\/10\/rm-150x150.png","contentUrl":"https:\/\/www.mesrianilaw.com\/wp-content\/uploads\/2022\/10\/rm-150x150.png","caption":"Rodney M."},"description":"Rodney Mesriani is the principal partner of the Los Angeles and Santa Monica based Mesriani Law Group. He specializes in personal injury and employment law while also being an accomplished litigator and trial attorney. Rodney is an aggressive negotiator and a well-known and respected attorney in the areas of practice he specializes in. He earned his Bachelor of Science degree in Accounting from California State University Northridge before attending Southwestern School of Law where he received his Juris Doctorate. While being an accomplished personal injury and employment lawyer, Rodney Mesriani has made it a point to attend numerous State Sponsored MCLE events and seminars over the years as a law practitioner to be informed of the latest laws and litigation strategies.","sameAs":["https:\/\/www.mesrianilaw.com"],"url":"https:\/\/www.mesrianilaw.com\/es\/blog\/author\/mesrianilawdev\/"}]}},"_links":{"self":[{"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/posts\/2402","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/comments?post=2402"}],"version-history":[{"count":0,"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/posts\/2402\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/media\/2403"}],"wp:attachment":[{"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/media?parent=2402"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/categories?post=2402"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mesrianilaw.com\/es\/wp-json\/wp\/v2\/tags?post=2402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}