Property Damage vs. Bodily Injury Claims

Property Damage vs. Bodily Injury Claims

After a car accident, if you suffered injuries and your car was damaged, you will need to file two different types of claims: property damage and bodily injury.

Property Damage

A property damage claim covers the cost of any personal property that is damaged in a car wreck, such as:

  • fixing or replacing your car,
  • damage to personal items inside the vehicle,
  • and damage caused by the wreck itself.

For example, if your car runs off the road, knocks down a fence, and hits a house, the property damage claim covers any damage to the fence, yard, and house. Occasionally, victims of wrecks include dogs or cats riding as passengers. Under North Carolina law, loss of a pet in an accident should be claimed under property damage.

In North Carolina, all drivers must carry insurance with property damage liability limits of at least $25,000.

Bodily Injury

A bodily injury claim covers personal injuries for the occupants of the car (humans only). Under North Carolina law, bodily injury claims can include payment for:

  • lost wages,
  • medical bills,
  • out-of-pocket losses,
  • pain and suffering or human losses,
  • and permanent injuries or scarring.

In North Carolina, all drivers must carry insurance with bodily injury liability limits of at least $30,000 per person and $60,000 per accident. Additional levels of bodily injury coverage are typically sold in the following increments:

  • $50,000 per person/$100,000 per accident
  • $100,000 per person/$300,000 per accident
  • $300,000 per person/$300,000 per accident
  • $250,000 per person/$500,000 per accident
  • and greater.

If you need help determining if you should file a property damage or bodily injury claim, the North Carolina auto accident lawyers at Henson Fuerst can guide you through the legal process. Call us today at (919) 781-1107 or complete a free initial consultation form.

Talk with us for Free.

The Henson Fuerst attorneys are always ready to talk to you about your case at absolutely no cost to you. We’ll answer questions that you may have and help you get back on your feet.

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3110 Edwards Mill Rd
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Raleigh, NC 27612
(919) 781-1107
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Rocky Mount, NC 27804
(252) 443-2111
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