In this article, we will discuss what qualifies as personal injury. We will go over things that have been found to fit this description but also discuss if it doesn’t qualify.
The most common form of personal injury is a motor vehicle accident, which falls under the category of property damage. If someone crashes into your car and damages it, then the insurer is obligated to repair or replace your car under its collision coverage. However, this will only occur if you have collision coverage on your auto insurance policy. If you where at fault in the accident, then the person who crashed into you may be eligible to sue you for their own damages.
Property Damage
Property damage such as you experiencing a fire in your house or someone slashing your tires can also qualify as personal injury. When it comes to the category of property damage, there are two sub-categories: economic and noneconomic. The types of property damage that falls within the noneconomic sub-category are things that you can’t fix like your house burning down or having someone shoot at you. The categories within the economic sub-categories are things like a fire, having your car broken into, having your tires slashed, and so forth.
What is Not Property Damage?
There are a few things that do not qualify as personal injury. One example of this is a dog biting you in your own yard. While it may be painful and somewhat traumatic, it isn’t the type of personal injury that will warrant a lawsuit. If you are suffering from a dog bite in your home, then you will have to contact animal control to follow up on whether or not the dog is being violated. You can also contact your insurance company regarding the situation; however, they will only go over with you if it is financially worth pursuing. A personal injury attorney can help you make the decision on whether or not pursuing a case is worth it.
If you are unhappy with the way your property damage claim was handled, then you may have grounds to file a complaint with the insurance company. You can file the complaint and also request that they offer up a settlement. However, this is only applicable if your property damage covers more than just one incident. What if you have multiple claims pending? Do not hesitate to contact an attorney for advice on this matter.
A Personal Injury Attorney
If you do not have a personal injury attorney, then you should consider hiring one. You will experience a lot of paperwork to fill out as well as the need for an insurance adjuster. A personal injury attorney will be able to help you navigate the complexities of your case and help move it along. They can also help you come up with a strategy that is going to help you win your case. Your attorney can also maximize the amount of money that you are awarded for these damages.
While recovering from your personal injury, you also need to worry about your future medical bills. For example, if you were in a car accident and suffered broken ribs as well as a concussion, then an attorney can help you with this part of your case. Medical bills can be very costly and they may continue to add up even after the initial incident. An personal inury attorney will help keep these costs down and make sure that the insurance company pays out as much money as possible for it.
What Qualifies as Personal Injury?
As you can see, what qualifies as personal injury is a question that may be hard to answer. However, it is important to have an idea of what your situation involves. There are different aspects of personal injury law and you should be familiar with them. Not knowing can be a costly mistake. You can also view the personal injury lawyer’s article to learn more about how to sue for personal injury. Here, you will learn what you need to do and the different ways in which you can win your case. Getting the help of a personal injury attorney can be the key to getting your deserved compensation.
To summarize what qualifies as personal injury:
1. It has to be your own property. In other words, if you hit someone else’s car with your own car and they were not at fault, then that is not personal injury. However, if they hit your car and damaged it or if it was their property that was damaged by another party’s negligence, then you may be eligible for compensation under the Personal Injury Protection (PIP) insurance section of the state’s auto insurance policy.
2. It has to be a personal injury accident. If you simply fall down and injure yourself, then that is probably not going to qualify you for compensation. You have to be hurt by the negligence of another person or entity.
3. It has to be something that cannot be fixed on your own or covered under your insurance coverage. There are certain items that may need professional help to restore them back to their former state. For example, if you have a broken bone, then it may take a doctor a long time to fix it. A personal injury attorney can help you make sure that these medical costs are covered properly.
4. It has to be something that can be easily verified and documented with factual evidence. This is why you will see personal injury lawyers using photos of injuries as well as police reports and medical records during a trial. These items help illustrate the actual damages that you have suffered.
Can You Get More Payout with a Personal Injury Attorney?
This is what personal injury attorneys are for. They will help you to increase your award or settlement payout by defending your rights. Unfortunately, regular citizens may not have enough knowledge about the laws and their rights. In this regard, a personal injury attorney can do wonders for you.
