What are examples of serious injury?

Serious injuries, often referred to as catastrophic injuries are those that have a significant and long-term impact on the life of the injured person and their family. Such injuries can include brain and spinal cord injuries, as well as amputations, serious burns, serious medical injuries and fatal accidents.

What are examples of bodily injury?

Bodily injury refers to specific kinds of harm done to the body after an incident, such as bruises, burns, cuts, fractured bones, and nerve damage. When someone carries bodily injury insurance, it covers the costs of the other person involved in the accident.

What is considered a serious injury?

Serious injury means a physical injury that creates a substantial risk of death or that causes serious disfigurement, prolonged impairment of health, or prolonged loss or impairment of the function of any bodily organ.

What is the difference between great bodily injury and serious bodily injury?

Superb Bodily Injury Case Example

A critical distinction between a severe injury and great bodily injury is to be hit with that great bodily injury allegation; you have to inflict great bodily injury against somebody personally.

What is the difference between bodily injury and personal injury?

Bodily injury typically refers to a type of liability insurance coverage that can protect you if you injure someone else in an accident, whereas personal injury refers to a type of civil action against the party responsible for your damages.

What is an accidental bodily injury?

Accidental Bodily Injury means an Injury sustained as the result of an Accident and independently of all other causes by an outside traumatic event or due to exposure to the elements. Bodily injury means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time.

Is a broken bone considered serious bodily injury?

In most cases, any broken bone will be considered as a serious enough injury to justify compensation.

Is bruising actual bodily harm?

Actual bodily harm (ABH) is a form of assault or battery that causes harm to someone’s body. For the harm to be considered ABH, it doesn’t need to be serious but must be more significant than a push or a shove. Examples of ABH injuries include: Bruising.

What is the penalty for serious physical injury?

Serious physical injuries. — Any person who shall wound, beat, or assault another, shall be guilty of the crime of serious physical injuries and shall suffer: 1. The penalty of prision mayor, if in consequence of the physical injuries inflicted, the injured person shall become insane, imbecile, impotent, or blind; 2.

What can you claim for personal injury?

  • Future loss of earnings. You are under a general duty if you have been injured to minimise your losses. …
  • Damage to clothing or personal effects. …
  • Travel / prescription costs. …
  • Help from family members. …
  • Equipment / nursing care costs.

What is the difference between accidental bodily injury and accidental means?

Insurers use the word “accident” to describe an event that happens unintentionally, and which is unexpected or unforeseen. Accidental means may involve acts that caused damage or harm, but which were themselves accidental. Both the injury and the event have to be considered accidents in order for a claim to be covered.

What is the best bodily injury coverage?

The best liability coverage for most drivers is 100/300/100, which is $100,000 per person, $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability. You want to have full protection if you cause a significant amount of damage in an at-fault accident.

What are the most common personal injury cases?

5 Most Common Types of Personal Injury Cases
  • Auto Accident Injury. If a person experiences an injury as a result of a car accident and was not at fault, he or she may be able to seek compensation for injuries. …
  • Medical Malpractice. …
  • Product Liability. …
  • Slip and Fall Accidents. …
  • Wrongful Death.

What does act of God mean in insurance?

The phrase Act of God refers to an accident or other natural event caused without human intervention that could not have been prevented by reasonable foresight or care. For example, insurance companies often consider storms to be an Act of God. Fire can also be an Act of God if it starts from lightning strikes.

What is another name for no-fault insurance?

Your no fault auto insurance is also known as personal injury protection (PIP) coverage and helps pay the costs of medical expenses for you and your passengers after a car accident. These benefits apply to anyone in your vehicle, regardless of who is at fault for the collision.