Do I have to let adjuster know I am filing injury claim for each child

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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: Apr 24, 2012

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Insurance Question from Memorial Square, GA

Asked on 04/24/2012

Do I have to let adjuster know I am filing injury claim for each child I was in a car wreck and my children were in the car. I wanted to know if I needed to file a claim for each child or will it be all together when I reported the accident. Does my fiance have to call hisself to report although I have already called.

Answer given on April 29, 2012

If you were in an accident and there were several passengers in the car the insurance company should be made aware of the other passengers in the car and the extent of their injuries. You can make the original report of the parties involved, including their ages and injuries. the insurance company adjuster may want to talk to the adult victims and, if the children are of an older age, may ask for their statements. If they are young, the statement from the parent or guardian would be used. There is no need to make several reports for the same incident or accident.You will need to keep records of any medical expenses incurred by all parties in the accident. If you are claiming against the other party’s insurance, then the settlement will be made after all bills are in. They will not pay partially for medical expenses. If you are claiming against your own insurance policy you may be able to get partial payment, up to the limits of the policy. Talk to the adjuster(s) assgiend to the claim to better understand how things will be settled.

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