The Difference Between Bodily Injury and Personal Injury Coverage

There are many types of insurance that people should consider getting, but which ones should be considered priority over another? Considering your own personal values and priorities should make this decision easier. Some type of injury coverage is highly recommended because your most prized possession, your body, is the first priority when it comes to insurance.

Bodily Injury Coverage

Bodily injury coverage was created to provide financial assistance to people injured in a car accident that caused severe harm to a persons body. Bodily injury coverage is recommended because medical expenses are often much more than the average person can pay for out-of-pocket. Furthermore, accidents are unexpected events that often come out of nowhere and at the worst times. This type of insurance coverage provides the finances needed for a person to recover after an accident.

Personal Injury Coverage

Another type of coverage, much like bodily injury coverage, personal injury coverage. This type of coverage is not only focused on covering the medical bills for any injuries that you may have but it will reach out farther than bodily injury by financially supporting you while you recover from the accident. Financial coverage often includes lost wages, child car, in some cases it will even cover funeral expenses.

Bodily injury and personal injury insurance are both enough coverage to take care of hospital bills in case of an accident. The real difference between these products is the coverage received when the immediate medical bills are resolved. The decision between these products is a personal one, how much coverage do you need to recover from an accident? Personal injury will likely be more expensive than bodily injury coverage but the benefits are much more than what bodily injury coverage offers.