What is the difference between bodily injury and personal injury?

Personal injury may be referred to in criminal court cases, referring to injuries sustained by someone who has been the victim of an assault or other crime. Personal injury is commonly mentioned in civil court lawsuits and covers all costs incurred as a result of an accident or wrongful death. Bodily injury is a narrower term than personal injury and can involve physical injury suffered by another person or in an accident. Both personal injury protection (PIP) and bodily injury (BI) pay for medical bills and expenses resulting from an accident, but they vary depending on where you live, who is at fault, and what bills need to be covered.

Bodily injury comes into play if you are at fault for an accident and pay the bills of other people involved in the accident. Personal injury protection is available in no-fault insurance states and covers your expenses no matter who is at fault in the accident. Personal injury is a type of civil lawsuit, while bodily injury refers to a specific type of damage, particularly in a car accident. When another person does not use the same care that another reasonably prudent person would under similar circumstances, they may be considered negligent.

For more information, see WalletHub's guides on personal injury liability insurance and personal injury protection. A bodily injury is what it sounds like: an injury to the body due to someone else's actions or negligence. In a personal injury lawsuit, a victim can get compensation for their injuries, lost wages, pain and suffering, and more from the party responsible for their injuries. Any situation in which a negligent party caused you injuries could become the basis of a personal injury claim.

Of course, for a personal injury lawsuit based on negligence to stop, you must provide sufficient evidence of carelessness. Having seen the other side of personal injury lawsuits, I know how insurance companies think, law %26 evaluates claims. Damages awarded in a personal injury lawsuit are not limited to the amount of applicable coverage the defendant may have under a personal injury policy. Bodily injury liability coverage pays for injuries to other drivers and passengers when the policyholder is at fault in an accident.

For example, a person who was the victim of assault or another violent crime may have suffered bodily injury as a result of the attack. Each state determines a specific time frame for you to file a personal injury claim called a statutory limitation. Tangible personal injury expenses, such as income you lose while in the hospital or recovering at home, can be relatively simple to calculate. Stoy Law Group headquarters is located in downtown Fort Worth and serves the Dallas-Fort Worth metropolitan area on all matters related to personal injury, employment and civil rights.

Sherrie Kroner
Sherrie Kroner

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