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What is the Difference Between Personal Injury and Bodily Injury?
Some people may use these terms interchangeably, but they have different meanings under Missouri insurance law. Understanding the nuances between the two phrases can clear up any misconceptions you may have about your insurance before or after an accident.
Bodily injury refers to a specific physical injury you sustained in an accident that someone else caused – not the area of law. Although you may have suffered other types of injuries, such as pain and suffering or emotional distress, the courts reserve the term bodily injury for describing physical injuries.
Bodily injury coverage from insurance also differs from personal injury coverage. In bodily injury protection insurance, it is mandatory by Missouri law for all drivers to carry at least $25,000 per person and $50,000 per accident. This type of coverage handles the expenses of the person who did not cause the accident and subsequently suffered injuries.
For example, if you were involved in a car accident and you suffered a bodily injury, the other driver’s insurance should be able to pay for your medical bills up to $25,000. But what if your injuries were significant, and the emergency room visit alone ate up that amount? What if you have ongoing medical bills and prescriptions to fill? This is when personal injury comes into play.
You will have to file a personal injury claim in order to recover remaining damages resulting from the accident. However, each type of case may present different standards for proof and liability. This can often be challenging to do on your own and, therefore, requires counsel from an experienced bodily injury attorney.
Compensation For Bodily Injuries
Although it’s possible to receive compensation for things like pain and suffering, this gets complicated when it comes to bodily injury insurance coverage because it is generally reserved for physical injuries.
For example, when you suffer a bodily injury, you may be able to receive compensation for economic damages, such as:
- Medical expenses
- Treatment procedures such as physical therapy costs, x-rays, etc.
- Out-of-pocket expenses
- Lost wages
- Lost earning capacity
You may also be able to claim future losses. These damages can be claimed when an individual has a severe bodily injury that is likely to negatively impact their life for a long time.
Compensation for future economic damages includes:
- Future lost income
- Ongoing therapy
- Severe impairment
- Permanent disability
The settlement you are entitled to will depend on the severity of your injuries. However, we know that this may not always be enough. If your costs exceed the settlement amount you are offered, get in touch with an attorney at The Hayden Law Firm to file a personal injury claim to fight for non-economic damages, such as emotional distress, loss of consortium, pain and suffering, post traumatic stress disorder, and more.
Common Bodily Injuries For Which You Deserve Compensation
At The Hayden Law Firm, we have seen insurance cover all different types of auto accidents, including car accidents, truck accidents, motorcycle accidents, and more. The bodily injuries resulting from these cases can range from minor to serious. Regardless of their severity, we believe every single injury is unique. Every single person’s suffering is valid.
Common bodily injuries we take care of:
Bodily injury insurance will cover these injuries up to $25,000; however, if the other driver’s insurance is refusing to pay this settlement or you require more than that amount, talk to a personal injury lawyer in St. Louis, MO, to see what your options are.
We want to help you get back to normal as soon as possible after a traumatic accident that wasn’t your fault. If you have suffered one of these injuries due to the negligence of someone else, your pain is valid. You deserve compensation for financial security as well as your future wellbeing.