Both the terms sound similar, but they imply different things. Insurance companies use this term, which refers to a car liability type of insurance coverage covering the damages or casualties you’re liable for in a car accident. On the other hand, personal injury is a kind of legal action, such as a civil lawsuit. It can be filed after a person incurs an injury because of someone else’s carelessness. According to Etemi Law, in a personal injury lawsuit, you may sue for the expense of the bodily injuries you incurred and other damages.
Simply put, bodily injury means a physical fact, while personal injury implies a legal conclusion. Have you had a car accident recently in Connecticut? If so, it’s crucial to know the personal injury protection versus bodily injury and the distinction between them.
Bodily Injury: Overview
Bodily injury means a particular injury to a specific portion of the body, such as a broken limb. It appears most significantly in automobile liability insurance policies and criminal law. If a defendant is accused of a criminal felony, for instance, they might encounter more acute criminal sentences if they cause bodily harm. An automobile accident liability insurance policy might limit coverage to $50,000 for bodily harm.
What are the compensations for bodily injury?
A bodily injury reimbursement can include the below-mentioned components:
- Hospital charges
- Ambulance charges
- Lost salaries
- Doctor & surgery bills
- Physical therapy and rehabilitation expenditures
- Future lost earnings if you incurred an occupationally disabling injury.
A bodily injury reimbursement excludes non-monetary damages, for example, pain & suffering and emotional distress. Non-monetary injuries often accumulate to above 50% of the entire value of a personal injury reimbursement.
Personal Injury: Overview
Being an element of civil law, personal injury refers to legal compensation for damages to one person that was caused by someone else’s negligence. A claim for personal injury may be supported by physical and non-physical harm, such as damage to one’s status. By filing a legal claim, accident victims can lawfully claim reimbursement for property damage, pain & suffering, medical bills for physical injuries, property damage, and lost wages.
What are the compensations for personal injury?
Reimbursement for bodily injury is the sole portion of the reimbursement available for a successful personal injury claim. An exhaustive personal injury claim may consist of the following elements:
- Calculate future medical costs if you incurred a long-term injury, which can be cumbersome.
- Loss of life enjoyment.
- Lost earnings while you take a break from work due to your injury.
- Mental despair is a type of psychological suffering.
- Occupational disablity if your wounds avert you from returning to your office.
What are the scenarios leading to a personal injury lawsuit?
Several instances can lead to a personal injury lawsuit, which are the following:
- Automobile accidents
- Pedestrian accidents
- Motorcycle accidents
- Truck accidents
- Bus accidents
- Workplace accidents
- Slip-and-fall accidents
- Criminal charges
Difference between Bodilly and personal injury
Simply put, bodily injury is one type of personal injury, while a personal injury is a legal reimbursement arising out of an injury, which is mainly but not always physical. Both personal and bodily injury are vital terms you must remember, mostly when going through legal documents, such as your insurance policy.
Conclusion
If you have incurred a bodily injury because of another party’s negligence, a personal injury lawyer can assist you in seeking a fair reimbursement. Both the terms may be used interchangeably, but they are different and have different meanings, as described above. Personal injury lawyers can dig into the situations, including car accidents, premises liability, defective products, and medical malpractice, to help fetch you the best compensation.