posted byLA Attorneys GroupApril 7, 2021
Bodily injury claims can be complex and are dependent on who is at fault for the accident. Most states require drivers to have bodily injury liability as a part of their insurance package.
To better understand how bodily injury liability works and why legal representation is helpful when filing an injury claim, keep reading!
In this article, we will be answering the following questions:
Bodily injury liability covers the injuries of a person who is hurt in an accident. In the United States, it is common to have bodily injury liability so if you are at fault in an accident that injures someone else, the expenses that result due to that injury are covered.
For example, if you are determined at fault in a car accident where passengers in the other car are injured and require medical attention, those medical expenses are covered by insurance.
In general, body injury liability covers any expenses that arise from injury due to an accident, this can include passengers in the other car, as well as bystanders.
Some of the expenses covered include:
On the other hand, if you are determined at-fault for an accident, and are injured as a result of that accident, bodily injury liability will not cover your expenses. Instead, you would need personal injury protection (PIP).
The first step to filing a bodily injury claim is determining who is at fault in the accident. There are a number of factors that go into determining who is at fault, such as negligence.
Next, contact a personal injury attorney, as it will ensure the filing process is done correctly and that you get the greatest amount of compensation.
Additionally, have all of your medical documents in order when you are ready to file the claim as they will serve as evidence.
Bodily injury claims vary by state. Some are filed by the at-fault party and others are filed by the injured party.
Once the claim is filed, an insurance adjuster will present the amount the injured party compensated.
The following should be included in your claim to ensure the greatest compensation:
When getting bodily injury liability from your insurer, you can choose if injury expenses are covered up to a certain amount or if they cover all of the injuries caused by the accident.
For example, if a total of three people are injured for a total of $400,000 in expenses and the insurance has a limit of $100,000 per person injured and a total of $200,000, there are still $200,000 of expenses yet to be covered.
It is important to note that all of this information remains applicable even if you are the party who is not at fault in the accident and is injured.
In this case, it is crucial to keep track of any medical expenses that can be quantified so that you can present them to the insurance provider of the at-fault party.
Additionally, keep track of any expenses you have due to your injuries, such as the ones mentioned above.
It is highly recommended to work with a personal injury attorney if you are seeking compensation for a bodily injury claim.
Since insurance adjusters do not always provide fair compensation, due to how the claim is filed, such as not providing sufficient information in the claim, an injury attorney will help with negotiation and will help represent you if you choose to go to court.
In other words, if you work with a lawyer you can get greater compensation than without legal help.
Additionally, if you choose to go to court over your injuries, a lawyer will represent you in court and fight for your rights.
If you have been injured in a car accident , you deserve compensation for your expenses and LA Attorneys can help!
Or, if you are at fault in an accident and need legal representation or need to file a bodily injury liability claim, our experienced attorneys are here to guide you.
Contact us today to find out if you are eligible to pursue legal action against another driver you believe is at fault for your injuries.
At LA Attorneys, our team of personal injury experts will thoroughly analyze your case, negotiate with insurance adjusters and help you build a strong defense claim if needed.
Contact LA Attorneys today to schedule a free consultation with our dedicated attorneys and get the compensation you deserve.