Public adjusters must provide the claimant or insured a written estimate of the loss to assist them in the submission of a proof of loss or any other claim for payment of insurance proceeds. This estimate must also be available to the insurer or department should they request a copy.
As the conjunctiva only covers the white of your eye, the central area of the eye (the cornea) is not affected. Your cornea is responsible for your sight, so any bleeding under the conjunctiva should not affect your vision. In addition to covering the sclera, the conjunctiva also lines the insides of your eyelids. It contains many tiny glands that secrete fluid to protect and lubricate your eye. Blood under the conjunctiva is not a dangerous condition.
The foreign object will most likely affect the cornea or the conjunctiva. The cornea is the protective covering of the front of the eye, and the conjunctiva is the mucous membrane that covers the white of the eye. Go to the emergency room if a foreign object is embedded in your eye. Do not attempt to remove it yourself.