These are very common terms within auto insurance policies. The better you understand them, the better you will be able to address your situation following a car accident.
- Why are so many auto adjusters contacting you?
- Should you give a "recorded statement" to the auto adjuster?
- What you must prove to win your car accident case.
"Bodily injury" means injuries to your body. This covers all types of personal injuries, such as broken bones, herniated discs, cuts, abrasions, bruising, pain, etc.
"Property damages" means damages to your car. These can be damages that can be fixed, or those that cannot be fixed, in which case your car would be declared a "total loss."
Car insurance companies often want to settle "property damages" as soon as possible following an accident.
Unfortunately, they are not so eager to settle "bodily injury" claims. Usually, they try to drag these out for as long as possible and pay as little as possible.
Many times you will be able to settle your "property damage" claim on your own, without a lawyer. However, in order to settle a "bodily injury" claim for a fair amount, you will almost certainly need to hire an attorney.