When it comes to automobile insurance policies, there are many terms used that can be hard to understand. In regards to a car accident, the terms bodily injury and property damage are often used. If you have never been in a car wreck before, you may have no idea what these terms actually mean. It is important to understand both so that you know when to file a claim and speak to a personal injury attorney.
Bodily Injury Auto Accident Claims New Orleans
The term bodily injury means that you have sustained some type of physical injury to the body due to the car wreck. This term will cover all areas of personal injury such as bruises, pain, cuts, abrasions, broken bones, etc.
Louisiana Property Damage Claims
The term property damage will be used in reference to the damage sustained by your vehicle. The term applies to damage to the vehicle that can be repaired as well as damage that is not repairable. When a vehicle involved in a car wreck cannot be repaired, then the term ‘totaled’ or ‘total loss’ is used.
How Insurance Companies Handle Bodily Injury and Property Damage Claims
In general, an automobile insurance company of New Orleans will want to settle the claims of property damage quickly. However, when it comes to bodily injury claims, the companies are not so quick to offer compensation. A Louisiana personal injury attorney will tell you that when it comes to bodily injury, insurance companies do not want to pay up. They know that the cost of compensation will be much higher when compared to property damage.
The insurance company may offer you a low ball compensation, even before you know how to hurt you are from the crash. It is important that you do not speak to insurance companies and avoid taking any settlement until you have spoken with an experienced New Orleans personal injury attorney. While you may be able to settle a property damage claim on your own, a bodily injury issue can take some time if you want to receive fair compensation.
When You Need an Experienced Car Accident Attorney
A New Orleans personal injury attorney will be able to review the details of your car accident, including any information you have for bodily injury and property damage. If you have a case, then a claim will be filed so that you can receive fair compensation.
If you or a loved one have been involved in a car accident and bodily injury took place, call our New Orleans office to have your case reviewed. With an experienced New Orleans car accident attorney by your side, you have a better chance of winning your case.