Have you suffered some type of bodily injury? The causes can range from a vehicle accident to a fall.
In fact, falls are the second most common cause of accidental injury deaths globally. Of these falls, 37.3 million are so severe that they need medical treatment.
Do you know how bodily injury coverage can help you if you’re hurt? Do you know if you need a lawyer to file a claim? Keep reading to learn more about what to do if you’re hurt.
Bodily Injury Coverage
Coverage of bodily injury addresses specific types of harm. Examples include cuts, broken bones, bruises, burn, and nerve damage. These policies cover costs related to people hurt in car accidents or on someone’s property.
California has at-fault laws for car insurance. This means that the driver found to be at fault for the accident has financial liability. They must pay their part for any damages or injuries received by another person.
Another example of bodily injury liability is a fall that causes harm or even death. You may want to talk with a bodily injury lawyer if you have a severe fall. They can help you get compensation to cover pain, suffering, medical bills, and lost wages.
Factors to Consider When Filing a Bodily Injury Claim
California law allows victims to file personal injury lawsuits against the at-fault party. Each case is unique and requires calculations of the damages, injuries, and expenses.
For most people, their medical bills comprise a large part of the damages. Emotional suffering and other harm are also considered.
Most of these settlements take place out-of-court without judges or juries. Having an attorney can help prevent guilty property owners from using loopholes. This ensures a fair settlement.
Pain And Suffering Settlements
As of January 1, 2022, Californians can file claims for damages that occurred before death. This can include pain, disfigurement, and suffering.
This only applies to cases filed on or after this effective date. Yet, cases can obtain these damages if they were filed and granted a trial before this date.
The law is set to expire on January 1, 2026. At that time the California legislature will reevaluate the law.
The biggest impact will occur in negligence and medical malpractice cases. The Medical Insurance Compensation Reform Act cap remains in place for non-economic pain and suffering. It also doesn’t affect the Elder Abuse and Dependent Adult Civil Protection Act.
Is There a Statute of Limitation for Filing a Claim?
Yes. California gives you two years to file a claim for personal injury. This can include injuries from a slip and fall, car accidents, malpractice, and neglect.
Thus, it’s key to speak with a lawyer as soon as possible following an injury. They will ensure that you get the full compensation due.
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