What Is The Difference Between Personal Injury And Liability?

The difference between personal injury and liability insurance is sometimes difficult to understand. A personal injury lawyer can help you figure out whether you have a case.

What Is Personal Injury?

Personal injury means someone has suffered harm because of another person's negligence. If someone injures you, such as when a car hits you, it's called personal injury. If you are injured when another person or company is negligent — for example, if you slip on a wet floor at Walmart, or the elevator in your apartment building malfunctions — that's called liability insurance.

The difference between personal injury and liability insurance is sometimes difficult to understand. A personal injury lawyer can help you figure out whether you have a case.

Who Has Liability Insurance?

Liability insurance protects businesses and companies from lawsuits when they are found liable for a fault that causes injury to others. In other words, the person who caused the harm is legally responsible for the harm. If you're injured when a car hits you, for example, the driver of the car has liability insurance.

In other cases, you may be injured because of the negligent actions of another person, such as a store employee. If you slip on a wet floor at Walmart, for example, the floor may be slippery because the floor was mopped with an improper product or with insufficient water. This is why Walmart has liability insurance.

How Do You Know If You Have Liability Insurance?

Some business owners carry liability insurance, but many don't. If you have an accident, you may need to contact the business owner or the owner's insurance company to determine whether they have liability insurance. If the business owner doesn't have liability insurance, you may be able to sue them. If you are injured by a business that does have liability insurance, the insurance company should cover any damages you incur.

Why Should I Get Liability Insurance?

The bottom line is that having liability insurance is good for everyone. It's good for business owners because it protects them from legal costs and judgments. It's good for business customers because if they are injured, the insurance company will pay for the damages they suffer. And it's good for anyone injured by another person or business. Without liability insurance, the injured person may be forced to pay for his or her own medical care, lost wages, and pain and suffering.

How Can I Find a Lawyer?

If you've been injured by a business, the best way to find a personal injury lawyer is to ask friends, relatives, and colleagues for referrals. Another option is to look online for lawyers.

When you do find a lawyer, make sure you hire a lawyer who specializes in personal injury law. Most lawyers practice in the area where they were born and raised. If you live in a different city, you may not find a lawyer with personal injury experience.

What Should I Expect If I Hire a Personal Injury Lawyer?

You may not think that hiring a personal injury lawyer is necessary, but if you are hurt and have been injured, it's very important that you hire a lawyer. Personal injury attorneys specialize in representing people who have been injured by the negligent acts of others.

Hiring a lawyer will help you get the compensation that you deserve. Personal injury attorneys will help you get fair compensation for injuries such as:

• Medical bills

• Lost wages

• Pain and suffering

• Damages to property

The law also allows for you to recover other types of damages, such as:

• Loss of consortium (the loss of a spouse's support, companionship, affection, and society)

• Mental anguish

• Emotional distress

• Punitive damages (to punish a wrongdoer)

• Punitive damages for minors (for the benefit of the minor)

If you are not represented by a lawyer, you may not be able to obtain all of the compensation that you deserve. Many people don't understand the law and are unaware that they have a right to seek compensation for their injuries.