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Personal Injury

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In the United States, accidental personal injury compensation cases make up many municipal lawsuits in state court systems.

Tort statements, or accidental accident statements, include some damage to an individual or property due to the inappropriate activities of another individual or enterprise.

For example, individual damage legal cases might happen due to a car incident, a dog chew, a development incident, negligence, or a faulty product. Unfortunately, these occurrences are all too prevalent in the American community.


Nature of personal injury compensation cases

The nature of American accidental injury legal cases is also quite clear. Over half of the tort tests in the United States resulted from auto injuries. Another 15% of tort tests involved allegations of negligence—another 5% of tort tests related to product responsibility.

When accidental injuries legal cases proceeded to trial, litigants won roughly 50 % of time.

With respect to tort tests stemming from auto injuries, litigants won 61% of the time, as compared with 50% of intentional tort tests, 38% of defective products tests, 39% of premises responsibility tests, and only 19% of negligence tests.

Judges decided in support of litigants in 56% of tort tests, and juries decided in support of litigants in 51% of tort tests.


In insurance policies in the United States, accidental injuries in the sense of “bodily injury” to others are often covered with insurance policies such as auto insurance policies.

Therefore, the protection plan provider will provide a legal defense to the defendant and settle with the plaintiff (victim).

Additional loss for mental damage is less clearly covered, as the plan coverage typically states that it covers only physical damage.

For example, in joint responsibility as of 2001, a minority of courts included emotional distress within the definition of physical damage.


Defining personal injury

In an insurance policy, “personal injury” as typically defined does not include physical damage loss and instead refers to mental damage loss, mainly as a result of defamation, false arrest or imprisonment, or malicious prosecution; for example, the Insurance Services Office standard common responsibility form has a section providing this coverage. Similarly, some home plans include accidental injuries coverage.

Despite the common distinction between physical damage and accidental injuries in insurance contracts, an auto insurance policy known as accidental injuries protection (PIP) covers medical expenses from physical damage.

Important: The articles available on are neither legal advice nor a replacement for an attorney. The contents are general information and guidance concerning different legal issues. We make sure that these articles prove helpful to you, but we do not promise or guarantee that they are suitable for your condition. We also do not take responsibility for any loss that might cause to you using these articles. Hence, we strictly suggest you get expert legal advice. Consult or hire an attorney in case of any doubt.