If you have been involved in a car accident, you have most likely heard the term bodily injury. Bodily injury is a portion of your auto insurance coverage. Bodily injury liability coverage is the part of your auto insurance policy that pays the costs that are associated with the injuries to those who are involved.
If you are sued for damages, bodily injury will provide your legal defense. This is an important part of your automobile’s liability coverage.
States have a minimum required coverage for bodily injury liability, but most attorneys recommend that drivers exceed that amount of coverage if they own property. Commercial entities must maintain a liability policy that offers a million dollars of protection.
The Definition of Bodily Injury
In the insurance industry, bodily injury is defined as illness and disease as well as physical injury. Death is also included under the bodily injury coverage if it results from illness or physical injury caused by the accident.
Some insurance policies have a broader definition of bodily injury. Some policies cover mental anguish, such as humiliation, anxiety, mental anguish, or shock as injuries that are covered by the bodily injury portion of the insurance policy.
When an individual pursues a personal injury claim, most of the damages will be covered by your bodily injury liability coverage.
Medical expenses, lost wages, pain and suffering, permanent scarring and disfigurement, and long-term disabilities are all covered by the bodily injury liability coverage.
Proving Your Damages
If you have been involved in an auto accident, you will need to show what damages you suffered because of the crash.
You should keep copies of medical records, medical bills, proof of lost wages and missed work, and documentation from any medical providers to show the need for future medical care and any future lost wages because of missed work.
Keep copies of any medical excuses that indicate you are unable to work. Take photos of the damages and injuries and get photos of the accident scene if possible.
Your personal injury attorney will help you gather evidence and documentation to support your claim and show the damages that you suffered in the accident.
Medical Care
You should establish medical treatment as soon as possible after your accident. Postponing medical care can negatively affect the outcome of your personal injury claim.
Even if you think your injuries are minor, you should be checked. Some injuries are not obvious for several days or even weeks after the accident. Be sure to be thoroughly checked by a physician.
Consult With A Personal Injury Attorney
If you have been involved in an auto accident, you can pursue a personal injury claim. You should consult with a personal injury attorney as soon as possible, so that you can receive compensation for damages.
Complete the Free Case Evaluation Form on this page to have your details shared with a lawyer in your state who can determine the best way to proceed with your claims. An attorney can significantly impact the outcome of your claim.
