What’s the Difference Between Personal Injury and Property Damage Claims?

Understanding Personal Injury and Property Damage Claims After an Automobile Accident

After an automobile accident, you might find yourself bombarded with unfamiliar terms. If the accident resulted in injuries, it likely caused damage to your vehicle too. In this context, you’ll often hear about “personal injury claims” and “property damage claims.” But what exactly are these, and do you need assistance to secure the compensation you deserve?

Property Damage Claims

If your claim only involves property damage, you might be able to handle it on your own. A property damage claim seeks compensation for the harm done to your property, including your vehicle. This encompasses repair or replacement costs, towing expenses, rental car fees while your car is being fixed, and any damaged personal items inside the car. You’ll generally file this claim with your insurance company, with the at-fault driver’s insurance covering your costs. If that’s not feasible, your insurance might cover some expenses. While hiring an attorney can simplify complex cases, it may not be necessary for straightforward property damage claims.

Personal Injury Claims

For personal injury claims, the expertise of a qualified attorney is often essential. If you’re injured in an automobile accident, you can seek compensation for current and future medical expenses, lost wages, pain and suffering, permanent injuries, scarring, and other medical issues. While your insurance policy may cover some damages, securing full compensation typically requires the support of a competent attorney. They can help establish the other party’s fault and argue for reimbursement of damages like pain and suffering, which are more challenging to quantify than medical bills.

Bodily Injury vs. Personal Injury

You might also encounter the term “bodily injury” after an accident. While often used interchangeably with “personal injury,” they are not legally identical. Personal injury covers any injury from the accident, while bodily injury refers to specific physical injuries. Bodily injury is usually covered by the at-fault party’s insurance.

Why You Need an Attorney

Feeling overwhelmed? It’s understandable, and that’s why having an attorney who prioritizes your compensation is crucial. At Taps and Associates, we provide personalized attention to every case, offering professional advice based on extensive experience. Our greatest reward is helping clients and protecting them from exploitation. For a free consultation with a trusted attorney, contact us through our website, or call 404-492-8746.