Bodily injury generally refers to a type of liability insurance coverage that can protect you if you injure another person in an accident, while personal injury refers to a type of civil action against the party responsible for your damages. Both personal injury protection (PIP) and bodily injury (BI) pay for medical bills and expenses resulting from an accident, but they vary depending on where you live, who is at fault, and what bills need to be covered. Bodily injury comes into play if you are at fault for an accident and pay the bills of other people involved in the accident. Personal injury protection is available in no-fault insurance states and covers your expenses no matter who is at fault in the accident.
Bodily injury is a narrower term than personal injury and can involve physical injury suffered by another person or in an accident. Many people often use the terms bodily injury and personal injury interchangeably, but they have different meanings. Bodily injury involves any type of physical harm or injury suffered by a person. By contrast, personal injury can include all types of damages that a person suffers in an accident.
As a result, when determining bodily injury versus personal injury, you should look at the extent and extent of the injuries involved. You may also experience an inability to return to some activities of daily living, hobbies, or work functions as a result of physical injury. Personal injury protection generally covers medical and other associated expenses for you and the passengers in your car if you have an accident. A personal injury lawsuit compensates victims of accidents or social grievances, such as defamation of character.
You can also file a personal injury lawsuit against a nursing home if your loved one has been abused or neglected, or if you suffer harm due to a defective product. Both refer to harm suffered by a person, but bodily injury refers only to physical injury, while personal injury includes a range of damages that can go beyond physical harm to include other damages such as pain and suffering. The terms “personal injury” and “bodily injury” are often heard when a person is injured or involved in an accident. Some examples of injuries that qualify as serious bodily injury include loss of consciousness, extreme physical pain, and prolonged loss or deterioration of the function of a member of the body, organ, or mental faculty.
Bodily injury may be referred to in criminal court cases, referring to injuries sustained by someone who has been the victim of an assault or other crime. For more information about personal injury vs personal injury and personal injury claims, call Laborde Earles Injury Lawyers today at (33 777-7777). Personal injury lawsuits occur when this duty has not been performed and, as a result, someone is harmed. Understanding what the difference is between bodily injury and personal injury can help you calculate the economic and non-economic parts of your potential financial settlement.
In a personal injury case, you, the plaintiff, must prove that the other party, the defendant, acted negligently. In other words, the responsible party did not act as a reasonable person would have done in the same situation. Bodily injury liability coverage pays for injuries to other drivers and passengers when the policyholder is at fault in an accident.