¿Cuál es la diferencia entre lesiones corporales y daños corporales?

If you’ve been seriously injured in an accident, you may find yourself wondering, “What is the difference between bodily injury and personal injury?” Personal injury includes any harm from an accident, like physical, mental, or emotional damage. Bodily injury, however, only refers to physical harm to your body.

An experienced personal injury lawyer on our legal team can help you with a personal injury lawsuit when the accident was caused by someone else’s negligence or recklessness.

Bodily Injury vs. Personal Injury: Explained By Andrew Kryder, Esq.

Lesiones corporales

A bodily injury claim refers to a legal request for compensation made by someone who has suffered physical harm in an accident.

Esto podría incluir:

• Cuts: lacerations that break the skin, potentially requiring medical stitching
• Bruises: discolorations on the skin, commonly caused by blunt force trauma
• Broken bones: fractures or complete breaks in the bone structure
• Whiplash: a neck injury caused by rapid back-and-forth movement
• Traumatic brain injuries: damage to the brain from an external mechanical force
• Spinal cord injuries: damage leading to loss of function or mobility
• Other serious injuries: various other significant injuries requiring immediate attention

Lesiones personales

Los daños personales, por su parte, pueden incluir lesiones corporales, así como cualquier tipo de daño mental o emocional que la víctima haya sufrido en un accidente.

A personal injury includes things like:

• Anxiety: overwhelming feelings of worry and fear disrupting daily life
• Depression: persistent deep sadness, leading to significant impairment in daily activities
• Post-traumatic stress disorder (PTSD): severe anxiety after witnessing or experiencing a traumatic event
• Other psychological injuries: various emotional or cognitive disturbances following an accident

Tanto los daños corporales como los personales pueden indemnizarse en una demanda por daños personales.

¿Qué es la cobertura de daños personales frente a la cobertura de daños corporales?

• Personal Injury Protection (PIP) insurance covers medical and rehab costs, lost income, and funeral or burial expenses.
• La cobertura de responsabilidad por lesiones corporales incluye el pago de cualquier lesión física derivada de un accidente que usted provoque.

Understanding these two factors and how much bodily injury liability and personal injury insurance coverage you have can help when an injured party seeks compensation for economic and non-economic damages after an accident.

Cobertura mínima del seguro de daños corporales

Por ley, todos los conductores de Illinois están obligados a tener un seguro de coche. El Departamento de Seguros de Illinois exige un seguro de responsabilidad civil por lesiones corporales mínimo de:

• 25.000 $ por persona
• 50.000 dólares por accidente

Insurance minimums for personal and bodily injury ensure that drivers who cause accidents cover the victims’ injury-related costs.

¿Cómo se calculan los daños corporales y personales en una reclamación al seguro?

Compensation for bodily and personal injuries depends on factors like injury severity, medical costs, and lost wages. Insurance companies rely on documents, medical bills, and expert opinions to support the claims.

In calculating personal injury cases, the emotional distress caused by the incident is also taken into account. This delicate calculation of non-economic damages ensures fair compensation for economic as well as non-economic damages (like pain and suffering).

What Is Pain and Suffering?

The pain and suffering caused by personal injuries can be significant and should be taken into account when negotiating a settlement. These may include depression, anxiety, PTSD, and more.

Evaluación de los daños personales en una reclamación al seguro

Calculating personal injury compensation can be tricky. Tangible costs, like lost income during recovery, are easier to estimate. However, intangible factors (like pain and suffering) are harder to put a dollar value on.

Personal injury covers future lost income and physical, mental, and emotional suffering, which can be hard to calculate on your own. A personal injury lawyer can help assess these parts of your claim to ensure they’re included in the at-fault driver’s insurance coverage.

¿Y si soy parcialmente responsable del accidente?

Determining liability in an accident where you’re partially at fault is complex. The Illinois Department of Insurance explains the “modified comparative negligence” rule, meaning you can still recover damages if you’re less than 50% at fault. However, your compensation will be reduced by your percentage of the blame.

The Kryder Law Group, LLC Accident and Injury Lawyers, Is Here to Help You After an Accident

If you’ve been seriously hurt in a car accident caused by someone else’s negligence, we can help. Our experienced personal injury attorneys have helped scores of clients recover compensation for their injuries and losses, including medical expenses, lost wages or earning potential, pain and suffering, loss of quality of life, and more.

Llámenos para una revisión inicial gratuita de su caso

During your free consultation, you can talk to an experienced attorney from our firm at no cost. In this meeting, we can assess your legal claim, understand your situation, and explore potential legal strategies for financial compensation (to cover things like doctor and hospital bills for medical treatment).

¿Cómo pago la representación legal?

Our law firm works on a contingency fee basis, so you only pay if we win your case and recover compensation for you. The legal fee is a percentage of the settlement or award, letting you focus on recovery without worrying about legal costs.