personal injury vs bodily injury
Halt | February 25, 2021 | 0 Comments

Personal Injury vs Bodily Injury: The Key Differences

Close to 6 million car crashes happen in the United States every year.

Oftentimes the accidents are a result of poor driving habits. Distracted driving, drunk driving, and speeding are the leading causes of car accidents in America. If someone else’s bad driving habits put your life in jeopardy, you deserve compensation for your injuries.

In this article, we’ll explore how personal injury and bodily injury can help pay for your medical expenses. We’ll also touch on how you can maximize your claim payout with a lawyer.

Read on to learn the difference between personal injury vs bodily injury.

What Is Bodily Injury?

What Is Bodily Injury

First, let’s start our talk about personal injury vs bodily injury by taking a look at what bodily injury is all about. Bodily injury is a type of auto insurance coverage. If another driver is found liable for your injuries, it’s their bodily injury coverage that will help cover your medical expenses.

To help you understand, take a moment to look at your auto insurance policy. You’ll notice that your bodily injury coverage lists 2 numbers. For instance, let’s say you’re policy states you have $100,000/$300,000 in coverage.

The first number expresses how much each individual can claim in the event of a crash. The second number ($300,000) lists the total that can be claimed for the crash, regardless of how many people are involved.

The good news is you don’t need a lawyer to claim bodily injury coverages. However, a lot of bodily injury cases are unable to cover the full scope of a car accident victim’s injuries. When the coverage isn’t enough, you have to explore a personal injury lawsuit.

Personal Injury Lawsuit

Personal Injury Lawsuit

Personal injury claims help when you need compensation beyond what the insurance company can provide. It’s always a good idea to secure an experienced personal injury lawyer before you file your claim. Why hire a lawyer? An experienced attorney will be able to guide you through the claim process.

Oftentimes personal injury cases are complex. Without a legal professional, it’ll be difficult for you to maximize your claim payout. If you’re worried about being able to afford a personal injury attorney, you’ll be happy to know a lot of them to work on a contingency fee basis. Instead of paying upfront costs, the lawyer only gets paid if you receive a settlement award. Then the lawyer will receive a pre-agreed percentage of your award amount.

Understanding Personal Injury vs Bodily Injury

As you can see, the biggest difference between personal injury vs bodily injury is the process involved. While bodily injury has a preset amount you can claim for injuries, personal injury claims don’t. A qualified lawyer can help assess your case to determine exactly how much you should receive from personal injury and bodily injury.

So go ahead and reach out to an attorney for a free consultation today. Before you know it, you’ll be back to enjoying your life. For more tips like these, explore the rest of this site.