If you have been hurt in a car accident that was caused by another driver, an attorney can help you make a claim to recoup your financial damages. Car accident injuries can be serious, even life-altering. You may have trouble going back to work or even doing some of your favorite hobbies. You also stand to pay a lot of money for medical costs.
Some of the terms you may hear your attorney talk about are personal injury and bodily injury. As you file a claim, it is important to learn about these terms and understand the difference. Here is what you should know:
Personal injury refers to a civil lawsuit filed by an injured party to recoup financial losses as a result of the other driver's negligence. Personal injury is meant to make you whole after the fact. If you win a personal injury claim, you will receive a settlement for any expenses you incurred as a result of your injury. You can also claim losses in your income, your ability to make future income, the loss of any personal property you sustained in the accident, emotional distress, and pain and suffering.
Bodily injury is not a claim you can file in a lawsuit. Bodily injury refers to insurance coverage carried by the party that caused the accident. Many car insurance policies include bodily injury coverage for the holder of the policy. These policies are capped by a certain dollar figure based on the terms of the policy held by the driver. If you are injured in a car accident, a bodily injury claim against an insured driver can pay for some or all of your expenses, deepening on how much the policy covers.
To make a bodily injury claim, you and your attorney will negotiate with the insurance carrier to obtain a fair settlement. You will need to provide medical records that state your injuries are a direct result of the accident. An insurance adjuster will contact you for additional evidence. They will ask about the facts of the accident. Be sure to provide a full and accurate description of what happened before, during, and after the accident. You also should include photographs of your injuries and damaged property, bills for your medical expenses, and proof you cannot work either temporarily or permanently.
After the adjuster reviews your evidence, a decision will be made. If the claim is approved, the insurance provider will offer you a settlement. Have your attorney review the settlement to determine if it will adequately cover your damages. If you approve, you can accept it. If the settlement is not acceptable, you can take further action with a personal injury lawsuit.
For more information, talk to an auto injury attorney.
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