What is Bodily Injury Coverage?
In the United States, each state requires drivers to carry liability insurance to compensate for any property damage or bodily injury. Every type of coverage has its own set of particular limitations, however, the coverage for bodily injuries has two specific types of limits, those being:
- The total amount that is paid out for an injury to one person.
- The total amount that is paid out for all injuries in a single accident.
If and when a driver is presumed to be at fault for a motor vehicle accident, the injured party or parties can make a claim in regard to the bodily injury portion of the insurance policy, and, that coverage pays for losses which may include the following:
- Medical Expenses: Hospitalization, emergency services, any medication or diagnostic test(s), follow-up visit(s) and even physical therapy are all covered. Any of the associated costs such as crutches, braces or wheelchairs are also covered.
- Lost Income: If the victim in question is unable to work during the period of recovery, insurance will pay to compensate them for their loss.
Are Non-Economic Damages Covered as Well?
Unfortunately, most people fail to realize that victims are entitled to non-economic damages as well. These are inclusive of, but may not be limited to the following:
- Pain and Suffering: Any compensation directed towards the injured parties’ physical pain and/or psychological suffering.
- The Loss of Quality of Life: Any compensation for a general decline in life due to limitations placed upon an individual by an injury.
- The Loss of Enjoyment of Life: Any compensation for specific limitations, including the inability to partake in activities, hobbies, and/or talents.
- The Loss of Consortium: Any compensation for the inability to enjoy relations with a spouse, which is dependent on individual state law(s).
- Disfigurement: Any compensation for a horrifically skewed appearance caused by scars, burns, and the like.
Typically, a victim will recover for non-economic losses, a fee that will be much greater than that of an economic loss or losses. Put together, both the economic loss and non-economic loss will often exceed limitations of the at-fault driver’s policy, most frequently if the driver in question only carries the minimum level of coverage required.
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