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What is General Liability in a Personal Injury Claim?

If you have been involved in an accident and you suffered damages and/or injuries because of someone else’s negligence or wrongdoing, you can pursue a personal injury claim.

When you pursue a personal injury claim, you might hear reference made to general liability. When you purchase an auto insurance policy, it includes general liability coverage.

General liability coverage, in commercial insurance terms, means that you have coverage to protect you in the event you cause an accident that results in bodily injury to someone else.

Bodily injury can include physical or mental injuries. The bodily injury (BI) coverage included in your general liability protection will pay for medical expenses, compensate for any lost income due to missed work while recovering or days missed for medical appointments and follow-up care, and pain and suffering.

Sometimes having general liability coverage to take care of these damages can help you avoid a lawsuit if you have adequate coverage to take care of the damages that resulted.

If someone else is at fault for the crash and you file a personal injury claim, your injuries and related damages will come from the bodily injury coverage of the other driver’s insurance.

Common Damages Resulting From A Personal Injury Claim

If you have suffered injuries in an auto accident, there are several different kinds of damages that will result. You will need to maintain documentation to support these damages.

You will also need to make sure you list all your damages. A personal injury attorney will help you calculate your losses and gather the supporting documentation.

Here are some of the more common damages that you might suffer in an auto accident:

  • Past and future medical bills
  • Past and future lost wages
  • Pain and suffering
  • Loss of enjoyment of life
  • Loss of consortium
  • Permanent scarring and disfigurement
  • Mental anguish and emotional trauma
  • Disabilities

What is General Liability in a Personal Injury Claim?

Here are some of the documents that can help you with your claim:

  • Medical bills
  • Medical records
  • Proof of missed work and lost wages
  • Photos of injuries
  • Written repair estimates
  • Photos of property damage
  • Prescription receipts
  • Tow bills
  • Rental car receipts
  • A journal detailing how your daily life is affected

Consult With A Personal Injury Lawyer

If you have been injured in a car accident, you should consult with a personal injury attorney right away. With the help of an attorney, you can recover damages where your lawyer will pursue the claim against the liable party’s general liability coverage in your personal injury claim.

Personal injury claims are challenging and require negotiating skills with the insurance companies. You will not have anything to lose.

Personal injury lawyers work on a contingency basis, so they will not be paid until you are fairly compensated for your damages. There is no up-front cost as well.

Complete the Free Case Evaluation Form and a lawyer in your state will review the details of your case and determine the best way to proceed. There is a statute of limitations, so act today.

Additional Resources

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