Bodily Injuries vs. Personal Injuries: Difference between these two similar yet distinct injuries

Do you know the differences in bodily and personal injuries? This article will help you to find.

Bodily injury may get referenced in criminal court proceedings, referring to injuries sustained by someone who has been the sufferer of an assault or another offense. Personal injury is usually referenced in civil court cases and comprises all expenses incurred of an accident or wrongful death.

 The individual state when an accident takes place can have several meanings for these terms.

Legal Implications of Bodily Injury Coverage

Depending on where you reside, whether your state is a “fault” or “no-fault” state will define the scope of what kind of coverage you need to take in the case of an accident.

For example, in Florida, drivers are not obligated to carry insurance coverage for bodily injury liability (BIL) except for transports registered as taxis. However, because Florida is a no-fault car backing state, all drivers must have insurance policies with the lowest of $10,000 in PIP coverage. You will first file for injuries through your own insurance company after an accident, despite who caused the collision. You may have extra costs that go exceeding what your PIP policy can incorporate. Having PIP does not stop you from seeking additional damages through the other party’s insurance. Generally, it boils down to this: bodily liability insurance covering the other party’s losses if you were the reason for their accident. PIP is for insuring your damages and injuries after an accident. Again, depending on where you live, several factors may affect these representations.

A case for bodily injury will cover any costs from your injuries that you’d offer to your bodily injury insurance bearer. Depending on your state’s laws, this may cover expenses related to your losses or costs related to the injuries of any other people involved in the accident. 

PIP insurance or other coverage will cover these claims of yours. 

Civil Claim Damages are related to Personal Injury.  

All states permit accident victims to seek reimbursement from the liable party to meet the cost of their injuries. To do this, you must prove that due to avoidable situations otherwise, you have incurred expenses.

It is necessary to have proper evidence that backs your account of events. To plan for your claim, you will require to keep the following:

• Photographs or any videos of the accident
• The police record or any other law enforcing documents
• Medical documents from injury-related tests
• Evidence of suffered wages for any work needed after the accident
• Reports of all conversations between yourself and the insurance firms
• Receipts indicating a value to property catastrophe

Anytime somebody is hurt or becomes ill because of the negligence of another party, and there are conclusive damages, you may have a genuine personal injury claim. People and entities must stop others from harm. Personal injury claims come about when this responsibility has not been satisfied. As a result, someone gets hurt.

Some of your losses can get covered by filing a Personal Injury Claim. 

If you get injured in an accident and experience pain and distress because of anyone else’s negligence, you may be entitled to have a  personal injury case.

When looking to meet the cost of your losses, filing a personal injury suit may include:

• Past, present, and future medical charges
• Lost earnings
• Decreased earning capacity
• Pain and misery
• Emotional injury
• Loss of consortium    
• Wrongful demise

When dealing with the consequence of an accident, an insurance adjuster will prepare, file, and adjust your request. This person represents the insurance company by assessing the cost of the injury to your property and health. You may find that the sum they offer does not fully satisfy the scope of your damages.

Do not feel obligated to settle for the adjuster’s first proposal. Before you agree to allow any settlement, make sure that you know your legal options first. For this reason, many people prefer to contract legal help.

Conclusion

While they may sound very alike and often get used interchangeably, there is a variation between the terms “bodily injury” and “personal injury.” They both indicate harm experienced by a person. Still, bodily injury applies only to physical injuries, whereas personal injury covers a range of losses that may go past physical harm to cover other damages like pain and distress. Personal injury also includes another party’s negligence or fault.

You may induce a personal injury lawsuit for coverage if you got injured because another party has operated in a negligent, reckless, careless, or intentional manner, and you sustained losses as a result. In a successful insurance case or trial, you will receive payment for your losses related to bodily injury.