Is There a Difference Between Personal Injury and Bodily Injury?

Stature holding scales of justice

There are a lot of terms after an accident that may cause confusion. You may have heard the words personal injury and bodily injury and been unsure if they were referring to the same thing or separate things. While people often use these terms interchangeably, they do have two different meanings.

Personal Injury Meaning

A personal injury covers a wide variety of injuries that can occur to someone after an accident. Rather than focusing only on physical effects, personal injuries can include emotional suffering or lost wages from not being able to work.

Examples of personal injury include being injured in a car accident, being involved in a slip and fall, or a case on behalf of someone who has been abused, neglected, or experienced harm using a product or under medical care.

Bodily Injury Meaning

The term “bodily injury” refers specifically to physical injuries to the body like broken bones, bruises, etc. This can be used in civil court cases and criminal court cases. Bodily injuries fall under the umbrella of personal injuries.

Difference Between Personal Injury and Bodily Injury

In most cases, the distinction between personal injury and bodily injury is used with insurance companies. Personal injury protection and bodily injury coverage are two types of insurance offered. Personal injury insurance only covers yourself also known as injuries to the policyholder while bodily injury coverage will also cover injuries caused by the policyholder.

The legal requirement to carry bodily injury coverage varies by state. Florida does not require their drivers to carry any bodily injury liability in their insurance unless the vehicle is registered as a taxi. However, Florida is also a n-fault car insurance state. A “no fault” state means that there is a law in place that requires a type of car accident insurance that will pay for accidents regardless of who is at fault for the accident. This is called Personal Injury Protection (PIP) or No-Fault Insurance.

Florida drivers who are involved in accidents, therefore, are required to carry PIP up to $10,000 to cover any medical bills or vehicle repairs through their own insurance. However, this doesn’t prevent them from seeking additional compensation through the other party’s insurance.

What to Do to Claim Damages

In order to pursue compensation to cover any additional costs of damage, make sure to keep a thorough record of evidence that supports your side of the story after an accident. This includes keeping photos, videos, police reports, medical records, proof of lost wages, receipts, and any communications.

Once these are gathered, they can be used to create a claim for bodily injury that will help cover the expenses you incurred from being injured.

Have questions about your personal injury case in Parrish, Florida? Contact Erjavec Injury Law today at 941-907-1133 for a free lawsuit consultation with our personal injury lawyers.