Basically, a bodily injury claim is a claim for compensation for an injury to the body, regardless of how slight or serious. A small cut is a bodily injury just as a major broken leg is a bodily injury. If you have been injured by another person, then you may have a claim for bodily injury. The amount of compensation is related to the severity of the injury and may include more than mere medical treatment.
“Out Of Pocket”
First, and most obvious, you may have bodily injury claim to be reimbursed (paid) for the actual amounts of money that you have lost, or had to pay out, due to your injuries. If you are not able to go to work because of your bodily injury and you lose income, you may be entitled to recover the loss income. If you have had to spend money for ambulance, emergency room, doctors, hospital, medications, therapies, etc., you may be entitled to have the person who hurt you pay you for the costs of these medical services. In sum, you may be entitled to recover the real losses that you suffered and the actual costs that you incurred for services that resulted from your being injured by another person.
Second, you may have a bodily injury claim for a specific injury when the injury itself is significant. Normally, a specific injury is an injury to a particular body part. For example, a broken arm or a broken leg. These injuries are serious enough to allow you to be compensated just for having suffered the injury.
“Pain And Suffering”
Third, you may have a bodily injury claim for pain, suffering, and discomfort. Pain, suffering, and discomfort are legitimate injuries even though it is difficult to put a dollar amount on them.
Fourth, you may have a bodily injury claim for the future losses and or expenses. Really severe injuries can cause problems for years to come. These future claims include loss of future income, costs of future medical care and treatment, permanent disability and impairment, and disfigurement. Even though these are bodily injury claims for future losses, you may be entitled to be paid now. In fact, it is important that you realize that when you resolve your claims, you resolve all of them at the same time. You cannot resolve some claims now and other claims later in the future. All bodily injury claims must be resolved at the same time.
This is general information only. If you have any questions whatsoever, talk with a lawyer licensed in your state.