What is the Difference Between Bodily Injury and Personal Injury?

Home » FAQs » What is the Difference Between Bodily Injury and Personal Injury?

The main difference between bodily injury and personal injury is that, while bodily injury refers specifically to physical injuries a victim receives during the accident, personal injury refers to all costs incurred as the result of an accident as well as the civil claim you can file to recoup those damages. In a way, bodily injury is a subset of personal injury, or to put it differently, a personal injury case will often include a bodily injury component.

In Louisiana, bodily injury insurance is required by law for every driver. Each vehicle covered by car insurance in Louisiana must have

  • $15,000 for bodily injury to one person
  • $30,000 total bodily injury coverage per accident
  • $25,000 property damage coverage

This means that if you’re involved in a Louisiana car accident, your bodily injuries could be covered by the other driver’s insurance up to $15,000. However, many of our clients receive injuries costing far beyond that figure, which is why they have to sue the other party to receive the compensation they deserve.That gap between insurance coverage and the true cost of many car accident injuries is why personal injury law firms like Gordon McKernan Injury Attorneys exist. We’re here to help victims of Louisiana car accidents recover the compensation they need to pay for their injuries and account for their pain and suffering. Call us today at 888.501.7888 for a free consultation about your situation.