What Is The Difference Between Personal injury and Bodily Injury?

If you’ve been injured in an accident, you may have looked up a personal injury on Google. Should I file a personal injury lawsuit? What will be the personal injury compensation?
You may believe that this is the best course of action, and in many circumstances, you are correct. However, not every event can be resolved by making a claim of this nature. You can also wonder if “bodily injury” and “personal injury” are interchangeable terms. In today’s post, we’ll explain the differences between these two concepts.
The terms “personal injury” and “bodily injury” are frequently used when someone is injured. While some people mix up personal harm with bodily injury, the two concepts have very different meanings. Here’s what you need to know about personal and bodily injury law definitions and repercussions.

What Is the Meaning of Personal Injury?

Personal injury is an extremely typical typeof civil litigation matter that has two parties:

• Defendant
• Plaintiff
In such circumstances, the plaintiff has been injured by the defendant. Physical, mental, or even reputational harm could be sustained. Malpractice, forced evictions, vehicle accidents, slander, false arrests and fraud are all common forms of personal harm. Even slipping and falling on an icy sidewalk at a business can result in a personal injury claim.
In essence, anyone who believes that another person has been irresponsible or has purposefully attempted to damage them can submit a personal injury claim. The defendant usually compensates the plaintiff, possibly including medical fees, to resolve these civil law disputes.
The person may die as a result of the accident in some cases. In such cases, the plaintiff is frequently someone acting on behalf of the deceased.
Because the defendant will not be able to pay for medical services, workplace accident compensation in Liverpool is usually rather significant.

What Is Bodily Injury?

In contrast to personal injury, the bodily injury does not refer to a specific legal claim. Instead, it’s used to talk about specific physical injuries that someone has had. The word “bodily injury” can be applied to a variety of circumstances.
When referring to the injury caused to a person in a criminal case (such as aggravated assault), it might be used.
However, “bodily injury” can be a part of insurance coverage and claims as well. It’s possible that it’ll be mentioned in your policy information to show whether or not you’re insured. For bodily injuries, your insurance company may pay a set amount (and the amount they pay may depend on the medical treatment you receive and the severity of the injury).
Bodily Injury Examples and Elements: If you own a business, your insurance policy most likely includes bodily injury coverage in the event that a customer is hurt on your property. Although this coverage may prohibit a consumer from filing a lawsuit against you, there is no certainty that this will happen.
If you are wounded in a car accident, you may also need physical injury coverage. Instead of taking another driver to court, you may be able to collect medical treatment through the at-fault driver’s insurance.
You may also be able to use bodily injury coverage if you have an injury that prevents you from working; you may be compensated for out-of-pocket expenses such as missed work, hospital transportation, medicine, physical therapy, and other medical expenses.
Personal injury and bodily injury are fundamentally the same things: one is a form of the claim that can be submitted, while the other is a type of damage that an individual can suffer.

Calculating Bodily and Personal Injuries in an Injury Claim

The bodily injuries you experience in the aftermath of a car accident start generating medical bills straight away. Medical bills begin to mount as soon as an ambulance gets on the scene, and they might last for months if your injuries are severe enough.
Long-term medical expenditures, including rehabilitative care, may be incurred as a result of catastrophic injuries. Because you only have a limited amount of time to file a compensation claim, you’ll have to rely on an estimate for any long-term medical expenditures you’ll pay after your claim is settled.
A solicitor can assist you in determining a claim value that assures the at-fault driver covers the entire spectrum of medical services you require.

Minimum Insurance Coverage for Bodily Injuries

Every motorist in Illinois is obliged to have collision insurance, which provides a minimum level of financial coverage for bodily injuries caused by an automobile accident. The Illinois Department of Insurance lists the following minimums for bodily injury liability insurance
• $20,000 for each individual
• $40,000 per accident

The Bottom Line

Personal injury is a more general term than bodily injury, which relates to the type of personal harm that occurs in an automobile collision. Personal injuries do not always have to be physical. Emotional or psychological injuries can be termed “bodily” in some cases. Is this making sense? Probably.
Is it necessary for you to comprehend it in order to collect compensation for your car accident claim? No. However, it is beneficial to have a basic understanding of the law so that you can assist your lawyer more effectively during the course of your case.

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