Bodily Injury

Bodily injury refers to specific kinds of harm done to the body after an incident, such as:

  • Cuts, abrasions, bruises, burns or disfigurement
  • Physical pain
  • Illness
  • Impairment of the function of a bodily member, organ or mental facility
  • Any other injury to the body, no matter how temporary

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When someone carries bodily injury insurance, it covers the costs of the other person involved in the accident. An example would be, if you run a red light and strike a bicyclist, you may be held at fault for their injuries. Depending on your policy, bodily injury insurance may include all or some of the damages sustained as a result of the accident. Missouri law sets a minimum level of coverage at $25,000 per person and $50,000 per accident for bodily injury, and Illinois law has the same standards.

Serious bodily injury is bodily injury which involves:

  • A substantial risk of injury
  • Extreme physical pain
  • Protracted and obvious disfigurement
  • Protracted loss or impairment of the function of a bodily member, organ or mental faculty

Bodily and serious bodily injury are both found in 18 U.S. Code § 1365(h)(4).

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