Bodily Injury Liability Coverage | Direct Auto Insurance Sample Demand Letter for Car Accident Damage | Nolo Bruises. Serious bodily injury is commonly defines as a bodily injury that involves substantial risk of death, extreme physical pain, long lasting and obvious disfigurement, or long lasting loss or impairment of an organ, extremity, or mental faculty. Additionally, bodily injury coverage can help pay for: Long-term nursing care. The Words "Accidental Bodily Injury" in a Disability Insurance Policy ... You can easily adapt the basic letter format to create your own effective demand letter. Vehicle Accident Demand Letter Samples. What is "Substantial bodily harm" in the State of Washington? Typically, the "bodily injury" benefits are for pain and suffering damages. Auto insurance bodily injury coverage pays the medical costs, lost wages, legal costs, and potentially funeral costs for individuals harmed in an accident for which you are at fault. An intentional act or accidental injury can qualify as serious. You were rear-ended at a red light. These include property damage, rental car coverage, and bodily injury benefits. Bodily Injury & Property Damage Insurance Coverage | DMV.ORG 3 Elements Of The "Accident" Legal Defense - Aizman Law Firm The Basics of Bodily Injury Claims in Florida | LTC News Moderate bodily injury Definition | Law Insider Car Accident. For example, settlements for victims who have suffered permanent disabilities or disfigurement may be significantly higher. For example, you could choose Bodily Injury Liability Coverage with a minimum limit of $10,000/$20,000. For some claims, it may also cover follow-up visits and equipment costs (such as crutches). Whether from an elevated height or at ground level, falls can cause serious personal injury at a variety of worksites.