What are common examples of bodily injury?

What is not covered under bodily injury?

This bodily injury protection doesn't cover the driver or passengers—it only covers third party injuries. It also typically doesn't cover damage to vehicles or property, intentional acts, or injuries occurring during criminal activities.

What is the average payout for bodily injury?

For California bodily injury liability claims in 2021, the average claim severity — representing the typical payout per claim — was $51,634.68. This figure has increased significantly since then due to medical inflation, rising vehicle costs, and economic pressures.

What is the 7 day injured list?

Definition. The 7-day injured list is specifically for players with concussion symptoms. Players may be placed on the 7-day injured list "retroactively," meaning the stint is backdated to the day after the last date on which the player appeared in a game.

What are 90% of accidents caused by?

Over 90% of accidents, particularly motor vehicle crashes, are attributed to human error, encompassing mistakes like distracted driving (phones, fatigue), impaired driving (alcohol, drugs), speeding, poor judgment, or failing to perceive hazards, though environmental factors or vehicle issues can sometimes contribute. These driver errors range from recognition failures to poor decision-making, with studies by organizations like the National Highway Traffic Safety Administration (NHTSA) often placing the figure at 94% or higher.
 

What are the four main types of injuries?

While injuries can be categorized in many ways, four common types often discussed are Soft Tissue Injuries (sprains, strains), Bone Injuries (fractures), Head/Brain Injuries (concussions), and Wounds (cuts, abrasions, punctures), often distinguished by the body part affected or severity, ranging from minor scrapes to life-altering catastrophic damage. 

What does $25,000 bodily injury liability per person mean?

"$25,000 bodily injury liability per person" means your auto insurance policy will pay a maximum of $25,000 for medical expenses, lost wages, or other injury-related costs for any single person you injure in a car accident you cause, with the total paid for all people in the accident typically limited by a second number (e.g., $50,000 per accident). You're responsible for costs exceeding these limits, highlighting why state minimums (often 25/50/25) might not be enough for serious accidents, according to Progressive. 

What is the 50% rule in insurance?

The "50% Rule" in insurance primarily refers to a Federal Emergency Management Agency (FEMA) regulation for flood-prone areas, stating that if repairs or improvements to a damaged structure exceed 50% of its pre-damaged market value, the entire building must be brought into full compliance with current flood elevation and construction codes. This rule, also known as the Substantial Damage/Improvement (SD/SD) rule, prevents properties from remaining in high-risk zones without mitigation, potentially affecting flood insurance eligibility if not followed. 

What cannot be covered by liability insurance?

Intentional Damage: If you intentionally cause damage to your vehicle, liability insurance won't cover it. Insurance is designed for accidents, not deliberate acts. Racing/Speed Contests: Accidents during speed contests or organized races are typically excluded from liability coverage.

What is covered under bodily injury?

Bodily injury liability insurance helps pay for someone else's emergency services and hospital care if you cause a car accident. It may also help cover their necessary follow-up doctor visits and other associated costs, like having to buy crutches or a wheelchair.

What qualifies as a great bodily injury?

California law says that “great bodily injury” (often referred to as “GBI”) means just what it says – “great” injury to a person's body. “Great” here means: a significant injury, or. a substantial physical injury.

What are the five common injuries?

Five common injuries include sprains (ligament tears, like ankle sprains), strains (muscle/tendon tears, like hamstring pulls), fractures (broken bones), tendinitis (inflamed tendons from overuse, e.g., Achilles, tennis/golfer's elbow), and concussions (brain injuries from blows to the head), often resulting from sports or physical activity. 

What are the five most common causes of accidents?

What Are the Leading Causes of Accidents?

• The most common causes include:
• Human error.
• Distracted driving.
• Mechanical failure.
• Poor maintenance.
• Environmental conditions.
• Fatigue.
• Lack of safety training.

What age gets in the most accidents?

Risk Factors for Teen Drivers

• The risk of motor vehicle crashes is higher among teens ages 16–19 than among any other age group.
• Certain behaviors, like not wearing a seat belt, can increase risk.
• Teen drivers are more at risk when driving at night or on weekends.

What is responsible for 37% of workplace injuries?

Slips, trips, and falls remain the most common cause of injury at work year after year, despite being highly preventable. Employers should take proactive steps to minimise hazards, such as ensuring work areas are well-maintained, free from obstructions and that employees receive proper training on workplace safety.

What counts as seriously injured?

Damage to vital organs: Injuries that compromise the function of the heart, lungs, liver, kidneys, or other critical organs. Severe brain injuries or spinal cord injuries: Injuries that could lead to long-term cognitive impairment, paralysis, or death.

What is the injury rule?

The legal injury rule is a principle that states a person can only bring a lawsuit when they have suffered a legal injury due to a wrongful act. This means that the time limit for filing a claim, known as the statute of limitations, does not start until the injured party has experienced some form of actionable damage.

Do MLB wives travel with their husbands?

Yes, many MLB wives travel with their husbands on road trips, sometimes frequently, but it depends heavily on the team, player, and family situation, with many balancing it with children and careers, often joining for parts of trips rather than the whole season to manage the hectic schedule and family responsibilities. Some teams arrange for wives and girlfriends to travel together on charter flights, but often wives manage their own travel and expenses, especially if they have children or careers, making full-season travel rare. 

How much will I get from a $25,000 settlement?

From a $25,000 settlement, you'll likely get significantly less than the full amount, often around $8,000 to $12,000, after attorney fees (typically 33-40%), case costs (filing fees, records), and medical bills/liens are paid, with the exact amount depending on how much your lawyer charges and the total medical expenses you owe. 

Does MRI increased settlement?

TL;DR: Yes, an MRI can increase a settlement because it provides clear, objective medical evidence of injuries. It helps prove severity, supports higher medical costs, and gives leverage in negotiations with insurance companies.