Personal Injury vs Bodily Injury. Meaning & Comparison

If you’ve been in an accident, you could find yourself wondering what the difference is between personal and bodily injury. Personal injury includes any harm suffered in an accident, including harm to the body, mind, or emotions, in contrast to bodily injury, which more explicitly relates to a person’s physical harm.

Knowing the difference between bodily injury and personal injury may be essential when it comes to personal injury claims and what your insurance company may or may not cover. A knowledgeable personal injury attorney might be the difference between losing or winning a physical injury claim. They can help you determine the type of serious injury inclusion you might have and whether you have a strong case for a personal injury.

What Exactly Is Bodily Injury?

The phrase “bodily injury” may be used in criminal cases to refer to wounds received by an assault victim or another offender while Personal injury is usually referenced in civil court claims and covers all expenses incurred as a result of an accident or wrongful death.

The legal setting in which a personal injury and a bodily injury may occur varies. Each type of litigation may have its own proof and liability requirements. Depending on the state in which an accident happens, these terms may have distinct meanings.

Body damage following an incident includes certain types of harm to the body, such as bruises, burns, wounds, broken bones, and nerve damage. The other party’s expenses are covered by bodily injury insurance. The costs incurred by the other party to the collision are covered by bodily injury insurance.

For instance, if you hit a pedestrian or a biker after running a red light, you could be held liable for their injuries. Depending on your coverage, bodily injury insurance may cover all or a portion of their damages. Find out how other people handled their cases with similar sircumstances to yours in our extensive search.

Legal Consequences of Coverage for Bodily Injury

The level of protection you genuinely want to provide in the event of an accident will depend on where you live and if your state has “shortcomings” or not.

For instance, drivers in Florida are not obliged to obtain bodily injury liability (BIL) insurance, with the exception of taxis that are registered as such. In any case, all drivers should have protection contracts with at least $10,000 in PIP inclusion as Florida is a no-shortcoming auto insurance express.

Regardless of who caused the collision, you must first file a damage claim with your own insurance provider. It’s probable that you’ll have expenses not covered by your personal injury protection PIP policy. Even if you have (PIP), you can still file a claim for additional losses with the insurance of the other party.

Generally speaking, bodily liability insurance will cover the other party’s damages if you were to blame for their accident. Your losses and injuries are covered by PIP if you are in an accident.

Again, depending on where you reside, different things may have an impact on these meanings. Contact us so that we can explain what exactly applies in your situation

Inclusions of Bodily Injury Claim

A claim for bodily injury includes any expenses incurred as a result of your physical injuries that you would report to your bodily injury insurance provider. Depending on the regulations in your state, this can also cover expenses for treating your injuries or the injuries of any other individuals involved in the accident. These expenses may be covered by your PIP insurance or other policy.


Personal injury, on the other hand, is a category of civil action involving incidents of negligence. If a person does not use the same degree of caution that a reasonable person would in the same situation, that person may be deemed negligent.

A person who has a personal injury may be entitled to financial compensation from the person or entity that caused it, including payment for their suffering, lost wages, and other damages. The damages awarded in an individual injury claim are not constrained by the respondent’s level of material inclusion in a major injury scheme. A skilled personal injury attorney can provide you a thorough overview of your options following an accident.

Personal injury protection vs bodily injury liability:

You might be able to recover some of your losses by making a personal injury claim. If you are harmed in an accident and experience pain or suffering as a result of someone else’s negligence, you might be able to file a personal injury claim.

The alternatives for making a personal injury claim to obtain financial compensation for your losses include the following:

  • future and previous medical bills
  • lost income
  • reduced earning potential anguish and pain
  • emotional adversity
  • pain and suffering
  • loss of group support
  • unjustified death

You might receive a settlement for physical harm in a workers’ compensation claim, but not necessarily for all of your personal injuries. A settlement for bodily injury may include the following damages:

  • Ambulance costs
  • Hospital costs
  • Surgery costs
  • Doctor’s costs
  • Rehabilitation and physiotherapy costs
  • Future medical costs
  • Lost wages
  • Future lost wages in the event that you had an occupational physical injury

A settlement for bodily injuries will not include non-economic damages like emotional anguish and pain and suffering. Non-monetary damages frequently exceed the full value of a physical issue repayment for an individual. If you are unsure where your injuries and losses belong, talk with our experts now and find out.

Personal injury protection vs bodily injury:

Some people are unclear about the difference between personal injury protection and bodily injury liability coverage. Real injury is essentially a physical issue, whereas an individual physical issue is a legal matter that arises from a physical issue that is typically (but not always) physical. The terms “personal injury” and “bodily injury” should not be confused when reading legal papers like your insurance policy. In the event that you or a loved one is hurt in a car accident, slip and fall, or other kind of accident, it is crucial that you understand the difference between bodily injury and personal injury. Knowing these two things will assist you in calculating your economic and non-economic damages following an accident and in your pursuit of monetary recompense. Our best attorneys are ready to help you with fixing your situation. Get on a call with our experts and we will do everything for you.