Bodily Injury Liability Insurance
Bodily injury liability insurance is a type of car insurance coverage that pays for damages you cause to another person. It’s required by law in most states.
In general, bodily injury liability insurance pays for medical expenses and lost income if someone is injured in an accident you caused. It can also pay for pain and suffering and funeral costs in the event of a fatality.
Medical expenses are a big part of any personal injury claim. If you suffer from a serious Bodily Injury Liability caused by another person’s negligence, you may be entitled to receive compensation for your related medical bills.
Aside from the actual medical costs you incurred, you can also recover any transportation or lodging expenses that you incur because of your accident. This includes travel to and from your medical appointments, parking fees, and mileage reimbursement for bus fares or rental cars.
The cost of long-term care after an injury is another important consideration. The severity of the injury, the duration of recovery, and your level of disability are all factors that can affect how much future medical care you will need.
Proving future medical expenses at trial or during settlement negotiations is an essential component of any personal injury case. A competent attorney will use a variety of methods to estimate how much you will need for your future medical needs.
Whether you are an employee or self-employed, a bodily injury can cause significant financial losses. In addition to recovering compensation for medical bills and pain and suffering, you may be able to claim lost income.
Fortunately, proving lost wages in a personal injury case is relatively simple. If you are regularly employed, all you need is a letter on company stationery from your supervisor or boss that lists your name, position, your rate of pay, and the number of hours or days you missed following your accident.
If you are self-employed, proving your lost income is a little more complicated. Proving that the accident has reduced invoices, appointments, conferences, and other business activities can be a challenge without an experienced attorney.
Pain and Suffering
If you were involved in a car accident that was the fault of another person, you may be entitled to compensation for pain and suffering. In a bodily injury case, pain and suffering are not limited to physical ailments; it includes emotional distress, depression, anxiety, grief, and other negative emotions.
Generally, the insurance company uses a complicated software program to determine the amount they are willing to pay for your injuries. The insurance company will also have a team of lawyers working to keep this payout as low as possible, which is why it is important to have an experienced personal injury attorney on your side.
One of the most complex types of damages a personal injury claimant can pursue is pain and suffering. This is a non-economic loss, meaning that it cannot be directly related to monetary losses like medical bills or lost income.
A loved one’s funeral can be an emotional and financially draining experience. Often, it’s the last time a family member will have the chance to say goodbye and plan their final wishes.
There are many aspects of the funeral process that can send a family into debt, including burial plots and caskets; flowers and memorial cards; catering charges; reception rentals; and other fees.
Thankfully, if the death of your loved one was caused by another’s negligence, you may be able to recover compensation for funeral expenses.
You should seek legal representation if you’re considering filing a lawsuit against the at-fault party. An experienced wrongful death attorney can help you get the compensation you deserve for your losses.
In most states, PIP and MedPay coverage can also pay for funeral expenses and other expenses resulting from a car accident. However, you should always check your insurance policy to see what your coverage limits are. This will help you decide whether you need additional coverage to cover your funeral costs.