All bodily injury claims require which of the following?

• A. Statements from all witnesses.
• B. Multiple claims payments.
• C. An attorney.
• D. A medical investigation.

Answer: (D)

Proving bodily injury hinges on medical evidence. When someone files a bodily injury claim, there needs to be objective documentation of the injury, its severity, and the costs of treatment to establish what was damaged and what the claim should cover. Medical records, doctor notes, imaging, and treatment bills show the actual injuries, how they were caused by the incident, and what ongoing care may be needed. This medical information helps the insurer determine liability, quantify damages, and set a fair settlement, while also guarding against speculative or fraudulent claims.

Witness statements and legal representation can play roles in many cases, but they are not universal requirements for every bodily injury claim, whereas solid medical evidence is central to substantiating the injury and the associated costs.