Most everyone has heard the terms bodily injury and personal injury and may have even used the terms interchangeably. However, there is a difference considering how each impact legal claims. So what is the difference between bodily injury vs personal injury?
What is Bodily Injury?
Bodily injury is a type of liability insurance coverage that may be required to carry as part of your car insurance. This helps to compensate third parties for damages when you were the one responsible for the accident. This type of coverage can also include wrongful death.
What is Personal Injury?
Personal injury is not insurance coverage at all. Instead, it’s a civil law action that typically involves negligence on someone’s part, be it a company or an individual.
For example, if another person or business fails to use reasonably prudent actions, it could be considered negligent. Then, a lawsuit could be filed and the victim is able to ask for compensation for injuries, lost pay, pain and suffering from the responsible party.
The amount awarded in a personal injury lawsuit is not limited to the amount the defendant may have on a bodily injury policy.
Examples of Bodily Injury vs Personal Injury
While just about any situation where someone is negligent and causes harm to another could be the basis for a lawsuit, some incidents are more common than others. Consider the following:
- Automobile accidents
- Truck accidents
- Bus accidents
- Bicycle accidents
- Motorcycle accidents
- Slips and falls
- Dog bites and animal attacks
- Construction accidents
- Burn injuries
- Back or spinal cord injuries
- Medical malpractice
The above list is certainly not a comprehensive list and if you think you’ve been injured due to the negligence of another, they should be held responsible. With this in mind, it’s best to contact a personal injury law firm for a consultation.
How to Prove Negligence for Injuries
Proving that another person was responsible for your injury or accident is the most important part of a PI case. But, after this has been established, you and your attorney will set out to build an iron-clad case that shows it was without a doubt their fault you were injured. To receive compensation, you and your lawyer will have to prove:
- The defendant was, indeed, negligent in their actions (or lack of action) by not protecting you from harm.
- You and your loved ones received injuries or damages to property for the defendant’s oversight.
Now, remember, it’s not solely up to you to provide this proof. That’s why you hire an experienced lawyer to represent you. You will simply assist them by providing truthful testimony and supporting evidence such as doctor reports, police records and any pictures or video obtainable.
The amount you will be compensated is dependent on each individual case, however, it’s entirely possible that you could be reimbursed for:
- Doctor and Hospital Bills
- Future medical expenses
- Wages lost while out of work/Reduction in wages due to inability to work the same position as before
- Damaged property
- Pain and ongoing suffering
- Loss of one’s enjoyment in life
If you or your loved one has been in an accident, the time to act is now. Every state has its own statute of limitations, and further, you don’t want to risk any evidence being lost because you waited too long.