Personal injury refers to any injury that occurred in an accident, including physical, mental, or emotional damage, whereas bodily injury more specifically refers to physical injury to one’s body. Additionally, some become confused between personal injury protection (PIP) and bodily injury liability coverage.
- Personal injury protection (PIP) insurance coverage includes payment for injury-related medical and rehabilitation expenses, loss of income, and funeral and burial expenses.
- Bodily injury liability coverage includes payment for any physical injuries that occur in an accident you cause.
When you or a loved one are involved in a car, slip and fall, or other accident that leaves you with injuries, it is important that you understand what the difference is between bodily injury and personal injury. Understanding these two factors will help when you pursue financial compensation and calculate your economic and non-economic damages after an accident.
Calculating Bodily and Personal Injuries in an Insurance Claim
In the aftermath of a car accident, the bodily injuries you sustain start creating medical expenses right from the onset. Your medical expenses start accumulating from the time an ambulance arrives on the scene and can continue for months if your injuries are severe enough.
Catastrophic injuries can also lead to long-term medical bills, including rehabilitative care until you are fully recovered. Because the time you have to file a compensation claim is limited, your compensation claim is forced to rely on an estimate for any long-term medical costs you will incur long after your claim is settled. A lawyer can help you assign a value to your claim that ensures the full range of medical care you need is covered by the at-fault driver.
Minimum Insurance Coverage for Bodily Injuries
Every driver in Illinois is required to carry collision insurance with minimum financial coverage for the bodily injuries the impact of a car accident can create. The Illinois Department of Insurance reports the bodily injury liability insurance minimums as:
- $20,000 per person
- $40,000 per accident
These insurance minimums are put into place to ensure a driver who causes an accident is responsible for the financial impact of the injuries of its victims. A lawyer can help you understand Illinois’ bodily injury minimums.
Assessing Personal Injuries in an Insurance Claim
Accurately tallying your personal injuries can also be a complex process. Tangible personal injury expenses like the income you lose while you are in the hospital or recuperating at home can be relatively simple to calculate. Intangible personal injuries like pain and suffering can be much more difficult to assign a monetary value to.
Adding up the value of future income you have not earned yet and physical, mental, and emotional anguish that might not be as readily visible as bruises and broken bones can be tricky on your own. A lawyer may be able to help you value these portions of your claim and ensure they, too, are covered by the at-fault driver.
A Lawyer May Be Able To Help You Collect Bodily and Personal Injury Compensation
When you are involved in an accident, collecting compensation for your injuries is an important part of the total healing process. Understanding what the difference is between bodily injury and personal injury can help you tally the economic and non-economic portions of your potential financial settlement.
Having a lawyer by your side can be beneficial to your claim because your lawyer can:
- Accurately assign the degree of fault, since Illinois is a contributory fault state according to 735 ILCS 5/2-1116
- Review police and incident reports to prove the cause of the accident
- Interview witnesses to the accident and collect testimonials and depositions
- Value each portion of your claim for full financial compensation
- Negotiate with the at-fault party and their insurer for a maximum payout
Your lawyer can also ensure you know and meet the time restrictions the state places on your ability to seek financial compensation. Do not hesitate to file your claim. While you concentrate on physical and emotional recovery, your lawyer can concentrate on the legal aspects of your claim and may be able to minimize or eliminate your out-of-pocket expenses.
Seek the Full Financial Compensation You Deserve
Do you know what to do and how to seek compensation after an accident in which you were injured? When you are injured in a car accident or other accident someone else caused, the financial impact of the accident should fall onto their shoulders, not yours. A lawyer at The Kryder Law Group, LLC may be able to help you receive the compensation you deserve after fault and financial liability are accurately assigned. Call (312) 598-0982 to speak to a team member and start preparing your compensation claim today.