Personal injury: provides coverage for injuries other than bodily injury or property damage. This includes unlawful arrest, detention, or imprisonment, intentional prosecution, unjustified eviction, slander, defamation, and invasion of privacy. Rather, it is a mental or psychologically based statement. Personal injury coverage is found in commercial and homeowners general liability policies.
This coverage refers to a category of insurable crimes that produce damage other than bodily injury (BI). Personal injury includes all types of injuries to a person's body, emotions, or reputation, as opposed to property rights injuries. Understanding the difference between bodily injury and personal injury can help you calculate the economic and non-economic parts of your potential financial settlement. Personal crime insurance is actually additional coverage that you can purchase for your home insurance that will help protect you against allegations of personal crimes.
Personal injury refers to any injury that occurs in an accident, including physical, mental, or emotional harm, while bodily injury refers more specifically to physical injuries sustained to the body. The pain and suffering caused by personal injury can be significant and should be considered when negotiating a settlement. A personal injury certainly sounds like an injury that happens to you or even someone else; in fact, this type of insurance can often be confused with bodily injury or personal liability insurance. When you or a loved one is involved in a car accident, a slip and fall, or other accident that causes you injury, it's important to understand the difference between a bodily injury and a personal injury.
Contact The Kryder Law Group, LLC today for a free legal consultation and to answer any questions you may have about the difference between bodily and personal injury, what bodily injury insurance entails, and whether or not you have a personal injury case. An experienced personal injury attorney can make all the difference in achieving a successful bodily injury lawsuit. They can help you determine what type of bodily injury coverage you may have and whether or not you have a valid personal injury case. Adding a personal injury guarantee to your homeowners insurance policy is quite affordable, usually adding just a few dollars a year to your premium.
Just like your other home insurance plans have limitations, personal injury endorsements also include exclusions and limitations on what they cover. Contact your American Family Insurance agent for more information on how to add personal injury insurance to your homeowners insurance policy. In addition, some confuse personal injury protection (PIP) and bodily injury liability coverage. Knowing the difference between bodily injury and personal injury can be crucial for personal injury claims and knowing what your insurance company may or may not cover.
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