The Difference Between a Bodily Injury Claim and a Personal Injury Claim

What is the difference between a bodily injury and a personal injury as far as automobile accident liability claims go? Adam N.

Legalese aside, a bodily injury is exactly what it sounds like: a physical injury to the body such as a cut, a bruise, or a broken bone. A strict bodily injury claim would not consider anything more than the physical injury, the necessary medical treatment and related lost income.

A personal injury includes more than the physical injury; it may include mental or emotional injuries, the medical care needed to treat them, and the resulting lost income. Since virtually every third-party claim (one in which an injury was caused by the negligence of someone other than the person injured) now allows physical injury, mental anguish or grief, lost income and possibly other factors, such claims are mostly referred to as personal injury claims. Personal injury claims usually begin with a bodily injury but do not end there.

An automobile accident liability claim may be made for either.

This article is written for informational purposes and is not intended to take the place of competent local legal advice.

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