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When a person is involved in an accident or encounters a mishap, you are likely hear ‘personal injury’ and ‘bodily injury’ during discussions of legal liabilities. Sometimes the two terms are used interchangeably, but they have a completely different meaning in law lingo.
Personal injury branches from civil law and is largely associated with lawsuits. A person can file for a personal injury claim to receive compensation for subjective, commercial, emotional, or physical harm caused by the actions of another party. Precisely, personal injury is an umbrella term that covers an extensive range of society issues, including discrimination, workplace harassment, medical malpractice, traffic violence etc. The percentage of compensation the victim receives depends upon their role in the event. If the petitioner was completely innocent and the defendant is entirely responsible for the fallout, he/she will have to pay for all losses ensued.
If the accuser is partially at fault for the outcome of an accident, he/she may still qualify for compensatory damages to some extent. The greater the fault of the filer, the lesser will be the amount of financial reimbursement. The time limit for filing a lawsuit varies from state to state, but is normally within two years since the incident occurred. Proving your eligibility for a personal injury claim can be tricky because you need to build a strong case against the opponent. An experienced personal injury attorney is aware of the right tactics to help you make up for economic and noneconomic losses.
Bodily injury is limited to physical damages caused in car accidents or some sort of criminal proceeding. It is typically associated with insurance claims that cover vehicle repairs and hospital bills of an accident’s victims. Bodily injuries include bleeding wounds, cuts/bruises, broken/dislocated bones, fractures/fissures, lacerations, head lesions, skin burns, backbone damage, and all other kinds of physical anomalies. Mental trauma or emotional distressed caused in an accident cannot be included in a bodily injury case.
Personal Injury Protection vs. Bodily Injury Coverage in Auto Accidents
Personal injury protection is a kind of insurance that pays for your personal hospital and auto mechanic bills, following a car accident. Additionally, it shall cover medical expenses for all the victims in the accident, even if it occurred due to your wrongdoing or negligence. This is not a mandatory insurance, but it will save you from going broke on a rainy day. An expert accident attorney is well aware of the accident news as well as court norms and legal procedures to ensure the smooth trial.Even if the accident was the opponent’s fault, receiving compensation from them is not guaranteed. There is a possibility that your opponent has limited or no insurance to pay for total damages.
Bodily injury coverage is the foremost kind of auto insurance, which is compulsory in most states. It is designed to cover damages of the opposing party if the law holds you responsible for causing the accident. If you are innocent and the accident was your opponent’s fault, then their insurance will pay your medical fees and car repairs. When you are at fault, your bodily injury coverage will not compensate for your medical expenses. However, when the opponent is guilty and their insurance is insufficient to bear total costs, then your insurance might pay the remaining amount.