In common parlance, personal injury refers to physical harm. However, in the insurance industry and legal world, this category is much broader, covering a wide range of harms a victim may suffer in an accident. If you’ve been hurt in an accident, knowing the difference between bodily and personal injury may prove important to getting the compensation you deserve.

The Difference Between Bodily & Physical Injury

What Is Bodily Injury? 

Bodily injuries cover the actual physical damage victims suffer in an accident, including everything from minor cuts and bruises to severe, life-altering impairments. When an accident is caused by the negligence of a third party, victims are legally entitled to compensation for any losses related to their bodily injuries, including any future medical care they may need.

What Is a Personal Injury?

The consequences of an accident often extend far beyond the victim’s actual medical expenses. In addition to the pain and trauma they’ve suffered, many people are unable to work or take advantage of income opportunities, suffer depression and other psychological symptoms, and lose the ability to take part in activities they enjoy. All these losses, combined with the victim’s bodily wounds, are considered the victim’s personal injuries.

How Can Attorneys Help? 

While bodily injuries form the basis of any insurance claim, victims are also entitled to pursue compensation for all their personal injuries, both material and intangible. Calculating the full extent of your personal injuries is often complex, which is why you should always consult with an attorney before accepting an offer from the insurer. Lawyers also provide other services that will aid you, such as organizing your medical records, gathering evidence, talking to your doctors, and negotiating settlements. 

If you’ve been hurt because of someone else’s negligence, Louis C. Noto will strive to ensure you receive the full compensation to which you’re entitled. This accomplished legal professional has been serving accident victims throughout the Rochester, NY, area for nearly 50 years, establishing a reputation for excellence and remarkable results. Visit him online for a closer look at his legal services or call (585) 232-1815 to schedule your initial consultation.