People can likely face personal injuries in an accident if they or someone else is negligent. Reckless and negligent actions often result in personal injuries. When experiencing a personal injury, one would likely seek medical treatment and inform their insurance company.
Personal injury victims contact the insurance company to receive financial benefits for the insurance policy which covers them. In such cases, people often need to remember if the insurer covers the type of injury they face.
It would be ideal for the victims to be aware of the types of personal injuries covered by the insurer and contact a personal injury attorney in Rochester for further legal assistance.
The insurance company covers which types of personal injuries?
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Pain and suffering
Personal injuries can also cause emotional distress and physical pain, which can be compensated through a personal injury claim. Insurance policies may provide coverage for these damages, known as “pain and suffering.”
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Medical expenses
Most insurance policies cover medical expenses related to personal injuries. It can include hospital stays, surgical procedures, medication, physical therapy, and other medical treatments.
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Bodily injury
This type of injury refers to physical harm caused to the body, such as broken bones, cuts, bruises, or internal injuries. Most insurance policies, including car and homeowners insurance, provide coverage for bodily injuries sustained in an accident or due to another person’s actions.
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Property damage
Insurance policies often cover personal property, such as a car or home. This coverage is significant for car accidents, as the damages can be significant.
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Lost wages
If a personal injury prevents an individual from being able to work, insurance policies may provide coverage for lost wages. This type of coverage can compensate for the financial impact of not being able to work.
Which insurance policies provide coverage for personal injuries?
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Health insurance
Health insurance policies provide coverage for medical expenses related to personal injuries. It can include treatment for injuries sustained in an accident and ongoing care for chronic conditions.
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Car insurance
Most states require drivers to carry a minimum amount of car insurance to cover damages in the event of an accident. In addition to covering damages to the vehicle, car insurance policies often provide coverage for medical expenses and lost wages resulting from a car accident.
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Disability insurance
Disability insurance policies cover lost wages if an individual cannot work due to a personal injury. This type of insurance is essential for those who rely on their income to support themselves and their families.
