What Is Considered Bodily Injury In a Car Accident?

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A personal injury lawyer pointing a pen at lines in a client's insurance policy.Bodily injuries from accidents like car wrecks or slip and falls range from minor to severe, impacting victims’ lives significantly. Severe injuries can lead to intense pain, disfigurement, or diminished function of organs or body parts, preventing victims from attending work or school.

Pursuing compensation for these injuries is possible through federal and state laws by filing a claim with the at-fault party’s insurance.

This process helps victims cover expenses for medical treatment, legal fees, and lost wages. Navigating the complexities of bodily injury claims can be challenging without legal expertise. The CEO Lawyer Personal Injury Law Firm offers experienced personal injury lawyers to guide victims through their cases, ensuring they understand their rights and the steps to seek compensation effectively.

How Does Bodily Injury Claim Work?

Bodily injury claims are a crucial aspect of personal injury law, allowing individuals who have been hurt in accidents—such as car crashes—to seek compensation for their injuries from those at fault. Understanding how these claims work is essential for effectively navigating the legal and insurance systems. Here’s an overview of the process:

Knowing Bodily Injury Claims

A bodily injury claim is a legal request for compensation by someone who has been injured due to the negligence or wrongful action of another. These claims can cover various expenses, including medical bills, lost wages, and pain and suffering.

The objective is to restore the injured person to the financial position they would have been in had the injury not occurred.

Filing the Claim

The process begins when the injured party (or their attorney) files a claim against the at-fault party’s insurance company. This claim includes all relevant evidence of the accident and the injuries sustained, such as medical records, accident reports, and witness statements.


Upon receiving the claim, the insurance company will conduct an investigation. This may involve reviewing medical records, consulting with medical experts, and examining the accident scene.

The goal is to assess the claim’s validity and determine the extent of the insurance company’s liability.


Once the investigation is complete, the negotiation phase begins. The injured party’s attorney and the insurance company will discuss the claim’s value.

This phase is crucial, as it’s when the compensation amount is determined. Negotiations can be lengthy and require several rounds of back-and-forth to reach an agreement.


If both parties agree on the compensation amount, a settlement is reached. The injured party will receive a lump sum or a series of payments from the insurance company.

In return, they typically agree not to pursue further legal action related to the injury.


The case may go to trial if negotiations fail and no settlement is reached. Both sides present their evidence during the trial, and a judge or jury determines the outcome.

Litigation is more time-consuming and expensive than settling out of court, but it may result in higher compensation for the injured party.


The injured party receives compensation once the claim is resolved through settlement or litigation. This compensation is intended to cover medical expenses, compensate for pain and suffering, and reimburse any lost wages due to the injury.

How the CEO Lawyer Personal Injury Law Firm Helps You With Car Accidents

The CEO Lawyer Personal Injury Law Firm is a dedicated ally for those affected by motor vehicle accidents. We ensure you do not face the daunting task of battling insurance companies alone.

Our expert car accident lawyers bring a wealth of experience and expertise to your case, lifting the burden of legal challenges off your shoulders and allowing you to focus on recovery.

Here’s how our team supports you:

  • Comprehensive Claim Evaluation: We assess your case’s validity and explore legal options. Understanding your claim’s strengths and avenues is the first step toward a successful outcome.
  • Thorough Investigation: Our attorneys carefully investigate the incident to compile a solid body of evidence. This includes procuring witness statements, reviewing surveillance footage, and analyzing police reports to conclusively establish fault and document the extent of your injuries and losses.
  • Expert Collaboration: We collaborate with a network of experts, including medical professionals and accident reconstruction specialists, who provide their knowledge to support your claim. Their perspectives are quite helpful in creating an understandable and captivating story about the event and how it affected your life.
  • Bodily Injury Liability Representation: Filing a claim involves overcoming complex legal and procedural requirements. Our lawyers guide you through this process, ensuring all necessary documentation is accurate and submitted promptly, safeguarding against any procedural missteps.
  • Negotiation: Our team has extensive negotiation experience and deals directly with insurance companies to secure a fair settlement. We’re prepared to counter lowball offers and deploy strategies that reflect the actual value of your claim.
  • Trial Advocacy: We are fully prepared to escalate the matter to trial if negotiations stall. Our litigators are formidable in the courtroom, advocating passionately on your behalf to achieve the maximum compensation possible.

At the CEO Lawyer Personal Injury Law Firm, we understand the physical, emotional, and financial toll a car accident can take. This is why we are committed to providing personalized and aggressive representation to ensure you receive the compensation you deserve.

If you or a loved one has been impacted by a car accident, don’t delay getting the legal support you need. Contact us right now for a free case consultation, and let us show you how our car accident lawyers can significantly impact your healing process.

What Is Considered Bodily Injury in a Car Accident?

Bodily injury in the context of a car accident encompasses a wide range of physical harm a person might endure. This includes:

  • Experiencing physical discomfort or pain
  • Sustaining fractures or broken bones
  • Receiving cuts, bruises, lacerations, contusions, or scrapes
  • Incurring burns
  • Undergoing disfigurement
  • Experiencing the loss of limbs
  • Suffering impairment of organ function or overall bodily capability
  • Enduring mental faculty impairment
  • Facing internal bleeding
  • Developing illness as a result of the accident
  • And other related injuries

Essentially, any form of physical harm to the body, no matter how minor or temporary, falls under the category of bodily injury. This term also extends to illnesses and diseases linked to the accident.

The definition of “serious bodily injury” narrows to include only significant injuries. This could mean injuries leading to disfigurement, the loss or significant impairment of an organ or body part, or any injury that poses a considerable risk of death.

Injuries considered minor or superficial are not classified as serious bodily injuries.

What Is the Average Bodily Injury Coverage?

Bodily injury liability coverage is crucial in providing financial support to accident victims. This form of insurance covers a wide array of expenses that the injured party may face, from immediate medical costs to long-term recovery needs and even legal expenditures associated with seeking compensation.

Here’s a closer look at what damages might be covered:

  • Medical Expenses: Coverage extends to a comprehensive range of medical-related costs from the accident. This includes immediate medical care required during the accident and ongoing treatments such as physical therapy, follow-up doctor visits, and necessary medical transportation from the accident scene. It’s designed to encompass past, present, and future medical expenses related to the injuries sustained.
  • Loss of Wages or Income: Serious car accidents often result in injuries that necessitate taking extended time off work, leading to a significant loss of income. In more severe cases, the injuries might prevent the victim from re-entering the workforce, permanently impacting their earning capacity. Bodily injury liability coverage seeks to mitigate these financial losses by compensating for lost wages, decreased income, and the loss of future earning potential.
  • Legal Fees: Managing the claims process for bodily injury compensation requires legal expertise. Hiring a personal injury attorney ensures that the victim has knowledgeable support through every step of the process, from filing necessary documentation to representing the victim in court. The coverage includes legal fees and related costs, ensuring victims can afford the legal representation they need without the added financial burden.

The Benefits of Holding Bodily Injury Auto Insurance

Bodily injury auto insurance offers essential protection for drivers involved in car accidents, particularly when the accidents stem from another driver’s negligence or recklessness. Despite best efforts, some accidents are nearly impossible to avoid due to unpredictable road conditions or adverse weather, leading to collisions that might otherwise not happen.

By securing bodily injury insurance, a driver gains a crucial safeguard against financial responsibility for injuries caused to others in an accident where they’re deemed at fault. This type of coverage ensures that the insurance company covers the medical expenses and related costs for the injured parties, sparing the at-fault driver from bearing these costs personally.

Hence, bodily injury liability insurance provides peace of mind and shields drivers from potential financial distress following an accident.

Contact Our Lawyers for Help With Your Bodily Injury Claim

The team of car accident attorneys at the CEO Lawyer Personal Injury Law Firm in New York is here to support you throughout your claim process. Our attorneys are committed to giving you individualized attention, maintaining open lines of communication, and defending your rights throughout the claims process.

We know the tactics insurance companies might use to reduce your payout. We are determined to aggressively oppose these strategies to get the settlement you are entitled to for your injuries.

The CEO Lawyer Personal Injury Law Firm operates on a contingency fee basis, which means our fees are contingent upon receiving compensation; in other words, we don’t get paid unless you do. We provide complimentary consultations to help potential clients understand how our personal injury lawyers can assist them in seeking reparation.

To schedule your free consultation, please contact us at (516) 689-1132 or submit your information through our online contact form.

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Frequently Asked Questions

After a personal injury, you're bound to have legal questions. The CEO Lawyer Ali Awad can provide you with answers to these questions, just as he's given answers to his millions of curious social media followers. Take a look at some of the most common personal injury law questions for general information, and then reach out to one of our seasoned attorneys for specific guidance on your case!

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Help Negotiating with Insurance Carriers

To quickly resolve matters following an accident, insurance companies will offer you less than you deserve in compensation for your injuries. Many victims feel pressured to accept these offers as the bills begin to pile up, but that is rarely a good idea. The insurance company is looking to protect its bottom line; and will offer injured victims less than they deserve. An experienced personal injury attorney understands how to negotiate with the insurance company and can look out for your best interests by getting you the compensation you deserve after an injury. If you or a loved one has been injured in an accident, it is important to avoid negotiating or providing recorded statements to the insurance company without first seeking help from a qualified personal injury attorney.

Do You Have a Personal Injury Case?

The best way to determine if you have a personal injury case is to speak with a knowledgeable attorney. Our legal professionals have the expertise to evaluate your case and determine a strong legal strategy so that you can obtain the greatest amount of compensation possible under the law. We will enlist investigators, assistants, and other specialists to collect accident reports, speak with witnesses to your accident, and put together a plan. While you focus on your physical recovery, we will remain committed to fighting for the compensation that you deserve.

Georgia's Personal Injury & Accident Firm

Accident victims have a limited time to file a personal injury lawsuit. This time period is referred to as the statute of limitations, and in Atlanta, it lasts only two years. This means that if you or a loved one has been injured in an accident, you have only two years to pursue a personal injury suit. If you wait too long to reach out to an experienced attorney, you might be forever barred from seeking the compensation you deserve.

What to Expect From Your Initial Consultation With a Personal Injury Attorney?

During your initial consultation with CEO Lawyer team, we will go over the important details of your personal injury accident, which include the nature and extent of your injuries, how your injuries have impacted your ability to earn a paycheck, the cost of your medical treatment, and whether further medical treatment will be required. We will answer any questions you might have, as well, in regards to our experience, our track record of success, and what to expect from the legal process. Many personal injury victims wonder if they will be able to afford the legal fees required to pursue a lawsuit. CEO Lawyer injury and accident attorneys will not ask for any type of upfront fee unless we are successful in obtaining compensation for you. That means that if you have been harmed in a motor vehicle accident, slip and fall accident, defective product accident, or any other type of personal injury accident, you can absolutely afford to contact our law office today for assistance. In fact, you cannot afford to wait. Reach out today. We understand that some accident victims might have already obtained the assistance of an attorney but may be dissatisfied with the services provided. We are standing by and prepared to help you change legal representation, regardless of where you are in the process.

Speak to an Experienced Personal Injury Attorney Today

If you or a loved one has been injured in any type of personal injury accident, you should not hesitate to speak with the experienced attorneys at CEO Lawyer personal injury law firm. Call, email, or fill out our online contact form today so that we can begin helping you pursue the compensation you deserve.