Can car accident damage to vehicle be repaired while waiting for the bodily injury claim to be processed separately or do they have to settled together?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 14, 2019

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Insurance Question from Glendale, AZ

Asked on 03/14/2019

Can car accident damage to vehicle be repaired while waiting for the bodily injury claim to be processed separately or do they have to settled together? Can my insurance company pay for the auto repairs while waiting for the bodily injury claim part to settle or do they have to be done together?Thank you

Answer given on March 21, 2019

If you were in an automobile accident the settlement for the damage to the car and injuries can be settled separately.  Usually the car repairs and a simpler settlement, presuming there are no issues to the value of the car.  The insurance company can just make an offer for the damages, less your deductible and you can get the car fixed.

For bodily injuries, it could take time if you are in the hospital, continuing treatment or need surgery. The insurance company will want to know the entire amount of injuries before they offer any settlement. There is also the issue of time off work, ongoing doctor appointments etc. Also, often times the adjusters are different for these claims as one may have more knowledge of auto repairs vs medical costs. If the insurance company wants to work them together, try to convince them not to. If they insist, you may want to consider an attorney to protect your rights and get a fair settlement.


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