Bodily Injury claims refer to amounts that insureds are entitled to recover from whom?

Bodily Injury claims typically refer to the amounts that an insured person can recover from the owner or driver of the car that caused the injury. This is rooted in the concept of liability, where the responsible party for an accident may owe compensation to the injured party for medical expenses, lost wages, pain and suffering, and other damages resulting from the incident.

In most auto insurance situations, if you are injured in an accident caused by another driver's negligence, you would pursue a claim against their liability insurance rather than your own. This means you would seek recovery directly from the person who was at fault, which is why the owner or driver of the car is the correct answer.

In other scenarios, claims against the insurance provider pertain more to property damage or uninsured motorist claims, while the state government does not typically engage in bodily injury claims unless under very specific circumstances, such as a government-operated vehicle. Pedestrians involved in the accident may be parties to a claim, but they are not typically the source of recovery for the insured.