A rear-end accident changes your life in unimaginable ways. Not only does an auto accident present the possibility of injuries that could lead to hospitalization, but an accident could also cause financial strains that last for years. The best personal injury law firm can help you understand your options if the party responsible for an “at-fault” accident fails to cover all damages related to the incident.
What is bodily injury?
Bodily injury from an insurance claim’s perspective is coverage that pays for damages incurred by the part not at-fault for the accident. Some states are tort states, which means the victim of an accident can sue for expenses related to bodily injury not covered by the insurance policy.
Even no-fault states that require everyone to have personal injury protection (PIP) in addition to coverage for bodily injury, do not exempt the individual who causes physical harm to completely escape.
It does not take much to prove a bodily injury case. The claimant who submits solid evidence that he, or she, was involved in the incident usually qualifies for compensation from the at-fault party’s insurance policy. The average person may submit:
- Footage or pictures from the incident that clearly show damages suffered;
- A police report clearly stating the party at-fault in the accident;
- Medical records that speak of injuries related to the incident;
- A record showing days off from work that corresponds to the time claimed for lost wages;
- Receipts showing proof of expenses related to repairs for property damaged in the incident.
Some victims can prove bodily injury without legal representation. The evidence needed to build a strong personal injury case may not be so easy to bring to the table.
How personal injury differs from bodily injury
Personal Injury is a term used to reference all costs incurred due to an incident. Contrary to bodily injury, a personal injury case goes beyond immediate damages and into potentially lifelong consequences related to the incident. A personal injury law firm may represent cases claiming:
- The wrongful death of an individual involved in an accident in which he or she was not at fault;
- Emotional distress due to the incident;
- Past, present, and future medical bills for injuries related to the accident;
- Past, present, and future lost wages;
- Permanent reduced earning capacity, where the victim must find work in another field due to his or her loss of mobility because of an accident where another party was at fault.
Building personal injury cases go beyond merely submitting evidence of a person’s involvement in the incident. The injured party must also provide clear evidence that the incident has permanently impacted the overall quality of life.
Why you need professional help
The best personal injury law firm presents the facts of the case in a manner that makes it nearly impossible for the responsible party to shriek responsibility. A good attorney also ensures the client is fully aware of the possibilities before proceeding with a case.
You should not feel compelled to sign an agreement that waives your right to seek legal counsel in exchange for an auto insurance payout. Contacting a personal injury firm today is the best way to take full advantage of all your rights under the law.
