Bodily injury comes into play if you are at fault for an accident and you pay the bills of other people involved in the accident.
Personal injury
protection is available in states with no-fault insurance and covers your expenses no matter who is at fault for the accident. The main difference between personal injury protection (PIP) and personal injury (BI) protection is that, while no degree of “fault” is required for the policyholder to file a PIP claim, BI claims must be filed by a claimant who is not at fault. Both insurance claims relate to injuries sustained by the person, and there is no legal difference as to the type of bodily injury suffered between the two claims of safe.Simply put, a bodily injury is a physical injury, while a personal injury is a legal claim that stems from an injury that is usually (but not always) physical. Bodily injury and personal injury are two important terms that you shouldn't confuse, especially when reading legal documents like your insurance policy. What's the difference between a personal injury claim and a personal injury claim? Bodily injury refers to personal injury insurance, which is liability insurance that pays for damages to a third party in the event that you are at fault in an accident. In the context of auto insurance, personal injury means personal injury protection (PIP) insurance coverage, which will cover your own medical expenses and other economic losses, regardless of who is at fault.
The main difference between PIP coverage and personal injury insurance is which driver they cover. The PIP covers you and your passengers, while bodily injury coverage protects other drivers in the event of an accident in which you may be at fault or partially at fault. PIP has a deductible, while bodily injury coverage doesn't. Each type of insurance offers you a variety of benefits as a driver. Personal injury protection in Florida may seem confusing at first, but the main difference is that you must have PIP insurance that pays you immediate benefits, while personal injury insurance is optional, but protects you from long-term financial harm if you are found to be at fault in an accident.
UM insurance will cover injuries you may sustain in the event of a serious accident for which another person is responsible. Personal injury liability coverage helps protect you if you are sued for injuries you have caused to another person. If successful, a personal injury claim could recover compensation and provide financial relief that would not otherwise be available through your PIP coverage. The purpose of the PIP is to provide quick compensation for monetary losses incurred due to a car accident.
Florida legislators are discussing the possibility of replacing mandatory PIP insurance with mandatory BI insurance (bodily injury liability coverage). If you wait to receive medical treatment, you may find that your injuries aren't as serious as you thought and that, therefore, your case is weaker. Intangible personal injuries, such as pain and suffering, are another matter and it can be much more difficult to assign them a monetary value. If you have an accident in Florida, your personal injury protection (PIP) coverage will help you pay for your medical expenses and lost wages, regardless of who is at fault. A personal injury lawyer in Aventura can explain the difference between personal injury insurance and PIP insurance to help you understand the protection you and your family have in the event of an accident.
Proponents of this change have also argued that PIP insurance is equivalent to health insurance, but some people don't have health insurance and mandatory PIP insurance coverage will cover much needed medical benefits in the event of accidents. Florida state legislators are considering eliminating mandatory state personal injury protection (“PIP”) requirements in Florida, sometimes referred to as “no-fault insurance””. Just to be clear, bodily injury liability coverage will be used to pay for the victim's injuries, not the injuries of the at-fault party. In addition, certain health care providers, such as chiropractors, urgent care centers, hospitals and first responders, rely heavily on receiving payments made under Florida's PIP auto insurance policies, since, in many cases, people don't have health insurance coverage or other abilities to pay certain medical bills.
Examples of personal injury cases can come from many different sources: car accidents, for example, or medical negligence. The pain and suffering caused by personal injury can be significant and should be considered when negotiating a settlement.