{"id":4345,"date":"2026-06-16T19:49:03","date_gmt":"2026-06-16T19:49:03","guid":{"rendered":"https:\/\/844324hurt.com\/?p=4345"},"modified":"2026-06-16T19:49:08","modified_gmt":"2026-06-16T19:49:08","slug":"bodily-injury-vs-personal-injury-florida","status":"publish","type":"post","link":"https:\/\/844324hurt.com\/es\/bodily-injury-vs-personal-injury-florida\/","title":{"rendered":"Bodily Injury vs. Personal Injury in Florida: What\u2019s the Difference?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4345\" class=\"elementor elementor-4345\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-772c236 e-flex e-con-boxed e-con e-parent\" data-id=\"772c236\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44eb4e7 elementor-widget elementor-widget-text-editor\" data-id=\"44eb4e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you have recently been involved in a car crash, a slip and fall, or a workplace accident in Florida, you already know how overwhelming the aftermath can be.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Between managing doctor appointments, missing time off work, and trying to get your vehicle repaired, you are suddenly thrown into a world filled with confusing legal and insurance jargon.<\/span><\/p><p><span style=\"font-weight: 400;\">Two of the most common and most misunderstood terms you will hear during this process are <\/span><b>&#8220;bodily injury&#8221; and &#8220;personal injury.&#8221;<\/b><\/p><p><span style=\"font-weight: 400;\">Since they sound so remarkably similar, people naturally use them interchangeably. But in the eyes of Florida law and strict insurance adjusters, these<\/span><b> two terms mean very different things. <\/b><span style=\"font-weight: 400;\">Understanding this crucial distinction is the very first step to making sure you are fully compensated for everything you have lost.<\/span><\/p><p><span style=\"font-weight: 400;\">If you are dealing with the stressful aftermath of an accident and need clear, actionable guidance, <\/span><a href=\"https:\/\/844324hurt.com\/\"><b>reaching out to 844-324-HURT can help you navigate this complex process with confidence<\/b><\/a><span style=\"font-weight: 400;\">. Let&#8217;s take a closer look at exactly what these terms mean, how they differ, and how they will directly affect your claim in the Sunshine State.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8ace11 elementor-widget elementor-widget-heading\" data-id=\"d8ace11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quick Summary: What You Need to Know\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dda2fde elementor-widget elementor-widget-text-editor\" data-id=\"dda2fde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>The core difference:<\/b><span style=\"font-weight: 400;\"> Bodily injury refers exclusively to physical harm done to your body. Personal injury is the broader legal claim that includes physical harm, emotional trauma, and financial losses.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Florida PIP Rules:<\/b><span style=\"font-weight: 400;\"> Florida requires most drivers to carry Personal Injury Protection (PIP) insurance, but you must seek medical treatment within 14 days of the crash to use it.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bodily Injury is optional:<\/b><span style=\"font-weight: 400;\"> Florida is unique because it currently does not mandate most drivers to carry Bodily Injury Liability (BIL) insurance.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Time limit:<\/b><span style=\"font-weight: 400;\"> Under recent changes to Florida law, you generally only have two years from the date of the accident to file a personal injury lawsuit.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65b74ca elementor-widget elementor-widget-heading\" data-id=\"65b74ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is Bodily Injury?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e37ea7 elementor-widget elementor-widget-text-editor\" data-id=\"0e37ea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/844324hurt.com\/understanding-bodily-injury-claims-florida\/\"><b>Bodily injury<\/b><\/a><span style=\"font-weight: 400;\"> is highly specific. It refers exclusively to the actual <\/span><b>physical damage sustained by a person&#8217;s body.\u00a0<\/b><\/p><p><span style=\"font-weight: 400;\">It does not take into account how that injury makes you feel emotionally, nor does it look at how the accident impacts your bank account. Instead, it simply <\/span><b>addresses the medical reality of the trauma you suffered.<\/b><\/p><p><span style=\"font-weight: 400;\">Common examples of bodily injuries include:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cuts, deep lacerations, and bruising<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Broken bones or severe fractures<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Traumatic brain injuries (TBIs) and concussions<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Spinal cord damage and localized nerve damage<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Burns or internal bleeding<\/span><\/li><\/ul><h3><b>The Insurance Context: BIL is Optional in Florida<\/b><\/h3><p><span style=\"font-weight: 400;\">You will typically hear the term &#8220;bodily injury&#8221; used in the context of an auto insurance policy. <\/span><b>Bodily Injury Liability (BIL) <\/b><span style=\"font-weight: 400;\">coverage is a specific <\/span><a href=\"https:\/\/844324hurt.com\/property-damage-bodily-injury-claims-car-accident\/\"><b>type of insurance designed<\/b><\/a><span style=\"font-weight: 400;\"> to pay for the medical expenses of other drivers, passengers, or pedestrians if you are the one who causes a car accident.<\/span><\/p><p><span style=\"font-weight: 400;\">Unlike most states across the country, Florida currently does not require standard drivers to carry Bodily Injury Liability (BIL) insurance. At present, most drivers only need a minimum of <\/span><b>$10,000 in Personal Injury Protection and $10,000 in Property Damage Liability<\/b><span style=\"font-weight: 400;\"> to legally register and drive a vehicle.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84f055d elementor-widget elementor-widget-heading\" data-id=\"84f055d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is Personal Injury?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00c9e36 elementor-widget elementor-widget-text-editor\" data-id=\"00c9e36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If bodily injury is a single slice of the pie, personal injury is the entire pie. In a legal context, personal injury is a broad <\/span><b>category of civil law.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">It occurs when one person suffers harm, whether that harm is <\/span><b>physical, mental, emotional, or financial<\/b><span style=\"font-weight: 400;\">, due to the negligence, recklessness, or intentional actions of someone else.<\/span><\/p><p><span style=\"font-weight: 400;\">When you file a <\/span><a href=\"https:\/\/844324hurt.com\/find-your-expert-miami-personal-injury-attorney-today\/\"><b>personal injury claim,<\/b><\/a><span style=\"font-weight: 400;\"> your bodily injuries are just one piece of the much larger puzzle. A comprehensive personal injury lawsuit seeks compensation for two main categories of loss:<\/span><\/p><h3><b>Economic vs. Non-Economic Damages<\/b><\/h3><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Economic Damages:<\/b><span style=\"font-weight: 400;\"> These are the quantifiable out-of-pocket costs of your accident. They include ambulance fees, surgery bills, physical therapy, and the lost wages from the days you missed at work.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Non-Economic Damages:<\/b><span style=\"font-weight: 400;\"> These cover the intangible losses. They include physical pain and suffering, emotional distress, PTSD, anxiety, and your overall loss of enjoyment of life.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Personal injury claims also apply to much more than just car crashes. They cover nursing home abuse, slip and fall accidents, medical malpractice, and defective products.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b7b8ed elementor-widget elementor-widget-heading\" data-id=\"7b7b8ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How These Terms Apply to Florida Law\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c56682 elementor-widget elementor-widget-text-editor\" data-id=\"1c56682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Florida has highly specific laws surrounding accidents, insurance limits, and liability. Understanding how these <\/span><a href=\"https:\/\/844324hurt.com\/what-personal-injury-victims-should-know-surfside-crash\/\"><b>definitions work locally<\/b><\/a><span style=\"font-weight: 400;\"> is critical to protecting your legal rights.<\/span><\/p><ul><li aria-level=\"1\"><h3><b>Florida\u2019s No-Fault System and PIP<\/b><\/h3><\/li><\/ul><p><span style=\"font-weight: 400;\">Florida operates as a &#8220;no-fault&#8221; auto insurance state. This means every driver is required by law to carry at least<\/span><b> $10,000 in Personal Injury Protection (PIP).\u00a0<\/b><\/p><p><span style=\"font-weight: 400;\">Immediately following a crash, your own PIP policy covers a percentage of your medical bills and lost wages, regardless of who was actually at fault.<\/span><\/p><ul><li aria-level=\"1\"><h3><b>The 14-Day Rule and EMCs<\/b><\/h3><\/li><\/ul><p><span style=\"font-weight: 400;\">Because of this system, PIP comes with incredibly strict deadlines. Under Florida&#8217;s 14-day rule, you must receive your <\/span><b>initial medical treatment within exactly 14 days of your accident <\/b><span style=\"font-weight: 400;\">to be eligible for any PIP medical benefits.<\/span><\/p><p><span style=\"font-weight: 400;\">Additionally, to access your full $10,000 limit, a medical professional must diagnose you with an Emergency Medical Condition (EMC). Without this official EMC certification, your medical benefits are severely capped at just $2,500.<\/span><\/p><ul><li aria-level=\"1\"><h3><b>The Florida Serious Injury Threshold<\/b><\/h3><\/li><\/ul><p><span style=\"font-weight: 400;\">If you want to step outside of the limited no-fault PIP system and pursue compensation for pain and suffering, which PIP does not cover, your injuries must clear the state&#8217;s serious injury threshold.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Specifically, this means your bodily injuries must result in:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Permanent injury<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Significant and permanent scarring or disfigurement<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Significant loss of an important bodily function<\/span><\/li><\/ul><p><br \/><b><\/b><\/p><ul><li aria-level=\"1\"><h3><b>2026 Florida Law Update: Why You Need UM Coverage<\/b><\/h3><\/li><\/ul><p><span style=\"font-weight: 400;\">Lawmakers have repeatedly filed bills over the years to repeal PIP and replace it with mandatory bodily injury liability coverage. The 2026 legislative session ended without passing any repeal, meaning PIP is still the law of the land.<\/span><\/p><p><span style=\"font-weight: 400;\">Since the state still does not mandate BIL coverage for most drivers, you could easily be hit by someone who has absolutely no insurance to pay for your injuries. As a result, carrying Uninsured Motorist (UM) coverage remains a vital financial safety net for Florida drivers.<\/span><\/p><ul><li aria-level=\"1\"><h3><b>Modified Comparative Negligence<\/b><\/h3><\/li><\/ul><p><span style=\"font-weight: 400;\">If you file a personal injury lawsuit against an at-fault driver, Florida uses a system called <\/span><b>&#8220;modified comparative <\/b><a href=\"https:\/\/844324hurt.com\/how-to-prove-negligence-in-a-car-accident-in-florida\/\"><b>negligence<\/b><\/a><b>.&#8221;<\/b><span style=\"font-weight: 400;\"> This means you can still recover damages even if you were partially to blame for the accident.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Your compensation will just be reduced by your assigned percentage of fault. Crucially, if a judge or jury finds you to be more than 50% responsible for the crash, you are legally barred from recovering any damages at all.<\/span><\/p><ul><li aria-level=\"1\"><h3><b>The Two-Year Statute of Limitations<\/b><\/h3><\/li><\/ul><p><span style=\"font-weight: 400;\">Time is not on your side. Under Florida&#8217;s current laws, you have exactly two years from the date of the <\/span><a href=\"https:\/\/844324hurt.com\/how-can-i-file-a-vehicle-accident-claim-online-in-florida\/\"><b>accident <\/b><\/a><span style=\"font-weight: 400;\">to file a personal injury lawsuit.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">If you miss this strict window, you permanently lose your right to demand compensation for your bodily injuries, your emotional trauma, and your financial losses.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9168e57 elementor-widget elementor-widget-heading\" data-id=\"9168e57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Take the Next Step for Your Injury Claim\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa377cf elementor-widget elementor-widget-text-editor\" data-id=\"fa377cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Realizing the difference between a bodily injury and a personal injury claim is just the beginning of the journey.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Proving the extent of your emotional distress, ensuring you meet Florida&#8217;s strict injury thresholds, and fighting back against insurance adjusters who want to minimize your payout is incredibly difficult to do on your own.<\/span><\/p><h3><b>Protect Your Future with an Experienced Injury Team<\/b><\/h3><p><span style=\"font-weight: 400;\">You do not have to navigate this complicated legal process by yourself. Partnering with a dedicated legal team takes the stress of a claim completely off your shoulders so you can focus entirely on your physical recovery.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">When you choose to partner with <\/span><a href=\"https:\/\/844324hurt.com\/\"><b>844-324-HURT,<\/b><\/a><span style=\"font-weight: 400;\"> we bring several key benefits to protect your future:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Handling the negotiations:<\/b><span style=\"font-weight: 400;\"> You won&#8217;t have to argue with stubborn adjusters or accept their lowball settlement offers. We aggressively advocate for your right to full compensation.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Calculating your true losses:<\/b><span style=\"font-weight: 400;\"> We don&#8217;t just look at today&#8217;s hospital bill; we evaluate your long-term medical needs, lost earning capacity, and the true cost of your pain and suffering.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Protecting your legal timeline:<\/b><span style=\"font-weight: 400;\"> We ensure all your paperwork is filed correctly and well within Florida&#8217;s strict two-year statute of limitations so you never lose your right to recover damages.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">If you are ready to seek the compensation you truly deserve, <\/span><a href=\"https:\/\/844324hurt.com\/contact\/\"><b>844-324-HURT can help you build a strong personal injury case<\/b><\/a><span style=\"font-weight: 400;\"> and get your life back on track.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-893dbc6 e-con-full e-flex e-con e-child\" data-id=\"893dbc6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90e0535 elementor-widget elementor-widget-heading\" data-id=\"90e0535\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions (FAQs)\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a54275 e-con-full e-flex e-con e-child\" data-id=\"3a54275\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8afa934 elementor-widget elementor-widget-n-accordion\" data-id=\"8afa934\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1450\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1450\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does my Bodily Injury Liability insurance cover my own injuries if I crash? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1450\" class=\"elementor-element elementor-element-aa16f15 e-con-full e-flex e-con e-child\" data-id=\"aa16f15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62e5199 elementor-widget elementor-widget-text-editor\" data-id=\"62e5199\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">No. Bodily Injury Liability covers the injuries of the other people involved if you are at fault. To cover your own physical injuries, you rely on your Personal Injury Protection (PIP) coverage or your private health insurance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1451\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1451\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is property damage a type of personal injury? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1451\" class=\"elementor-element elementor-element-9154a9d e-con-full e-flex e-con e-child\" data-id=\"9154a9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34dff3f elementor-widget elementor-widget-text-editor\" data-id=\"34dff3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">No. Personal injury focuses entirely on harm done to a person\u2019s body, mind, or finances due to an injury. Property damage (like a totaled car or a broken phone) falls under a separate legal category. However, a good lawyer will handle your property damage claim at the same time as your personal injury claim so everything is resolved together.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1452\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1452\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What exactly counts as \"pain and suffering\"? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1452\" class=\"elementor-element elementor-element-49d0b0a e-con-full e-flex e-con e-child\" data-id=\"49d0b0a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0563b2 elementor-widget elementor-widget-text-editor\" data-id=\"f0563b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pain and suffering covers the non-financial impact of your accident. This includes the physical agony of a broken bone, the mental trauma or PTSD of being in a severe crash, insomnia, anxiety, and the frustration of no longer being able to pick up your kids or play a sport you love.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1453\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1453\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can I settle my personal injury case without a lawyer? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1453\" class=\"elementor-element elementor-element-ebe3627 e-flex e-con-boxed e-con e-child\" data-id=\"ebe3627\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ef7eb2 elementor-widget elementor-widget-text-editor\" data-id=\"8ef7eb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Technically, yes, but it is incredibly risky. Insurance adjusters are trained negotiators whose main goal is to save their company money. They will often offer a fast, lowball settlement before you even know the full extent of your injuries. A lawyer knows how to calculate your future medical needs and fight for what your case is truly worth.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Does my Bodily Injury Liability insurance cover my own injuries if I crash?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Bodily Injury Liability covers the injuries of the other people involved if you are at fault. 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