You cannot claim bodily injury against your own policy for yourself because you cannot be liable to yourself. Bodily injury coverage falls under the liability portion of your policy, for injury to others caused by you or the driver of your vehicle. You must carry PIP or MEDPAY for your own injuries.
In the UK - the law is based on fault. Namely the driver At Fault pays for the injury and vehicle damage to the innocent road user. Motor insurance is compulsory as this pays the liability of the driver at fault. So you cannot claim for bodily injury from your own insurance as you would be claiming against yourself - but if your motor policy was comprehensive you can claim from your own insurer for vehicle damage - subject to an excess. See the related link entitled "car driver injury claims" for a full explanation as to when a car driver can claim and when a car driver is considered liable.
