Personal injury cases are those where there is physical, emotional, or mental; damage. In bodily injury cases, however, the main focus is on physical harm to the body.
If you or your loved one in Idaho have been in an accident, you need to understand that these injuries aren’t the same. Understanding bodily injury vs. personal injury cases help you calculate your damages and pursue compensation.
Calculation When Pursuing Insurance Claims
The bodily injuries you may sustain after an accident leads to medical expenses right from the start. You never know how long you may continue to incur these expenses. In case of disability or severe injuries, you may continue dealing with them for years.
Since you have limited time to file for compensation, you’d be wise to get to it as soon as possible. The same applies to personal injury cases. If you wait too long, you may lose significant evidence. Your lawyer should help you pursue assign a value to your claim.
Bodily Injury Coverage
Bodily injury covers the other person’s expenses. It helps them for harm incurred after the accident. Usually, these injuries include:
- Fractured bones
If you get into an accident and have bodily injury insurance, it will pay for the other party’s medical bills. If you are driving and hit a passenger, for example, your insurance will pay for some or all of their medical bills.
Personal Injury Claims and Damages
A personal injury case is born when someone becomes ill or is injured because of another person’s carelessness or negligence. These lawsuits arise from the other party’s duty of care and their failure to meet it.
If you are an accident victim in Idaho, the state allows you to seek reimbursement from the responsible party. However, you must first prove that they were responsible and that the situation could have been avoidable. You need to prove that your injuries resulted from this accident and that you incurred expenses.
If you don’t have sufficient evidence, you are unlikely to receive compensation. You’ll need to prepare the following before pursuing compensation:
- Videos and photographs of the accident
- Injury-related medical records
- A police report or other kinds of law enforcement documents
- Some proof of your lost wages or future lost wages
- Receipts that may help assign value to your property
- Proof of your communication with the insurance provider
Personal injury claims may help you receive compensation for:
- Wrongful death
- Emotional trauma
- Lost wages
- Loss of consortium
- Current, present, and future medical expenses
- Reduced earning capacity
An insurance provider will prepare, file, and adjust the claim. They help the insurance provider evaluate the cost of your damages. However, they may give a very low estimate. You don’t need to settle for it. Speak with Idaho personal injury lawyers and understand your options before accepting a settlement.
Whether you are in a personal injury or bodily injury case, seeking a professional’s opinion is always a good idea. They’ll help you understand the details of your case and pursue compensation.