What is a Bodily Injury?
All physical injuries fall under the legal definition of “bodily injury,” which is very broad. Some common examples of bodily injury include:
- Physical Pain
- Medical Conditions
- Impairment to Any Part of the Body
- Any Other Type of Physical Injury
- Temporary Injuries
What Are My Legal Rights if I Have Suffered a Bodily Injury?
If your bodily injury was caused by the negligent or careless actions of another person or entity, you may be entitled to receive financial compensation for all of your losses, including pain and suffering.
When it comes to obtaining compensation for bodily injuries, it’s always in your best interest to contact a personal injury lawyer for legal help.
Your attorney will analyze your case and help determine if you’re able to file a claim for compensation.
Bodily Injury Liability Insurance
Bodily injury liability insurance covers bodily injuries sustained in an automobile accident. Because it is liability insurance, it only covers the other driver or passengers, not the people who were in your car.
Why Do I Need Bodily Injury Liability Insurance?
In Georgia, it is the law to carry minimum liability insurance for both property damage and bodily injury. This type of insurance is required by law, but it’s also a good idea to have since Georgia is a “fault” state. This means if you are the cause of an accident, you are legally obligated to pay for any of the resulting damages or injuries.
If you are injured in a car crash, you will most likely look to the insurance company of the other driver to cover your medical bills, property damage, and any other losses. You will only receive money from your own insurance company if you have certain types of insurance coverage.
What Kinds of Expenses Are Covered by Bodily Injury Liability Insurance?
In general, bodily injury coverage will cover any loss that involves mental or physical impairments. However, it also covers some additional losses that you may incur, such as:
Medical Expenses: Medical expenses are the most common reason for purchasing bodily injury liability insurance. However, it can also be used for follow-up treatment, physical therapy, surgeries, and any other types of expenses related to your physical well-being.
Lost Wages: When you are seriously injured in an accident and are unable to work, bodily injury liability insurance can help you replace any income you did not receive as a result of the accident. Lost wages should always be included in your personal injury settlement.
Legal Fees: When you sue someone else after a car wreck, that person’s insurance will usually pay for a lawyer to defend your claim. That is, even if the other driver was involved in the accident, they would not be responsible for your legal bills or your maximum recovery or settlement. If you are considering filing a lawsuit against a friend or family member, keep this in mind. Your legal fees are not addressed, but when you hire one of our personal injury attorneys, they will work on a contingency fee. This means you will not pay any up-front legal fees for our services.
Pain and Suffering: Not all of your losses following an accident are quantifiable. If you were injured in an accident, you most likely experienced physical pain and suffering while healing and receiving treatment. This type of loss is also covered by bodily injury liability insurance.
How Can a Bodily Injury Liability Claim Be Filed?
Because this type of coverage is provided by the other driver, you must understand what type of insurance the other driver has and how to contact the appropriate insurance company. In most cases, the other driver should notify their insurance company of the accident.
In this situation, your insurance company may contact you within a few days of the accident. You can report the incident even if the other driver does not contact their insurance company.
Even before filing a claim, you should consult with a personal injury attorney so that your lawyer can speak with the insurance company on your behalf.
There are strict deadlines for reporting an accident, so you must act quickly if the other driver fails to do so. Before reporting the accident, you should speak with an attorney to make sure you do not say anything to the insurance company that could ultimately hurt your case.
If you were involved in a motor vehicle accident that was not your fault, our experienced lawyers can help with your claim.
We provide a free consultation to all auto accident injury victims. Contact The Brown Firm to speak with an attorney regarding your legal rights.
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