What is considered a bodily injury?

Is bodily injury and pain and suffering the same thing?

Mental pain and suffering results from the claimant's being physically injured, but it is more a by-product of those bodily injuries. Mental pain and suffering includes things like mental anguish, emotional distress, loss of enjoyment of life, fear, anger, humiliation, anxiety, and shock.

What is an example of personal injury?

Some personal injury case examples include slip-and-falls due to slipping on ice or tripping over debris, whether at work or on private property; broken bones, internal injuries or a traumatic brain injury resulting from a car accident; the loss of a finger or limb in an accident at work due to defective machinery, ...

What does is mean if the coverage limits are $250000 /$ 500000?

Let us explain. The $250,000 amount refers to per person, $500,000 per accident, and $100,000 for property damage. In other words, the most your insurance company will pay out for one person's injuries is $250,000 (per person), if multiple people are injured $500,000 (per accident), and any property damage $100,000.

Is general liability the same as bodily injury?

Bodily injury liability usually refers to general liability insurance. This is often the first type of coverage that small business owners buy, as it can pay for expensive lawsuits brought by clients or customers who suffer an injury or property damage at your place of business.

Under which type of coverage does the insurer agree to pay for bodily injury?

Liability Coverage and California Law. Liability coverage helps pay for injuries or damage to others when you are responsible. If you own and drive a vehicle, you must follow the financial responsibility laws in the state Vehicle Code. The most common way to do this is to buy auto liability coverage.

Is disease covered under bodily injury?

Bodily injury includes incidents and injuries resulting in death. Bodily injury by disease must be caused or aggravated by the conditions of your employment.

What is great bodily harm?

As stated, “great bodily injury” is a defined as a significant or substantial physical injury, and would include serious bruising or wounds, concussion, broken bones, and other serious injuries. It doesn't include causing an injury to yourself or an accomplice to the crime.

What is the difference between bodily injury liability and property damage liability?

Bodily injury liability helps pay for the other driver's medical bills, lost income, and emergency aid if they're hurt in the car accident and you're at fault. While property damage liability helps pay for repairs if you damage someone else's property, like their fence or car.

Is Falling Down considered an accident?

Falling is the action of a person or animal losing stability and ending up in a lower position, often on the ground. It is the second-leading cause of accidental death worldwide and a major cause of personal injury, especially for the elderly. Falls in older adults are a major class of preventable injuries.

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

Losses, Bodily injuries, damages or death that occur as a result of carelessness or failure to take precautions are not covered by accidental means. Accidental means takes into account the cause and effect of the accidental event and not just the result of the event.

What is the difference between an accident and an accidental injury?

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.

Which of the following would be covered under personal injury liability?

Which of the following would be covered under personal injury liability? Slander. In insurance, personal injury includes injury to the character of another person caused by libel, slander, false arrest, invasion of privacy and other acts.

Which one of the following would not be considered a personal injury loss under the commercial general liability policy?

Personal Injury Liability Insurance covers all of the following, except: Bodily Injury -- Personal injury affects one's reputation or emotional well-being and does not include bodily harm or property damage.

What is covered by general liability insurance?

What does general liability insurance cover? General liability insurance policies typically cover you and your company for claims involving bodily injuries and property damage resulting from your products, services or operations. It may also cover you if you are held liable for damages to your landlord's property.

What happens if medical bills exceed policy limits?

When these medical expenses exceed the policy limits, we will typically negotiate the amount you have to pay back to the insurance company so that we can minimize that amount and put as much money as possible back in your pocket.

What would 100 300 100 mean on an insurance policy?

Buy at least standard 100/300/100 coverage, which translates into $100,000 coverage per person for bodily injury, including death, that you cause to others; $300,000 in BI per accident; and property damage up to $100,000. If you have a high net worth, boost your BI coverage to 250/500/100.

When should I drop full coverage?

The 10% rule says you can consider dropping full coverage insurance when the annual premium meets or exceeds 10% of your car's market value. For example, if your car is worth $4,000, paying $400 or more for full coverage might not be worth it to you.

What are the most common types of personal injury claims?

What are the common types of physical injury?

What kinds of injuries does personal injury law include?