Bodily Injury

Bodily injury, abbreviated BI in insurance shorthand, refers to physical injury to a person: cuts, fractures, sprains, internal injuries, traumatic brain injuries, burns, and the like. Bodily injury is the category of harm that auto liability and general liability insurance policies are designed to cover.

Auto policies typically express bodily injury limits as two numbers, such as 100/300, meaning $100,000 per injured person and $300,000 total per accident. The injured claimant's recovery is capped at the per-person limit; if multiple people are injured, the total recovery is capped at the aggregate.

Bodily injury claims are distinct from property damage claims, which cover damage to vehicles and physical property. Both arise from the same incident but are handled under different policy coverages and often by different claim adjusters.

For personal injury practices, bodily injury limits set the upper bound on third party recovery. When bodily injury limits are inadequate, the firm looks to underinsured motorist coverage, umbrella policies, and other defendants. The pharmacy lien attaches to whatever recovery the firm secures, whether from the at-fault bodily injury policy, an umbrella, or UM/UIM.

CreoRx's pharmacy lien is sized to the actual medication need across the duration of treatment, not the bodily injury policy limit. The lien balance reflects clinical reality; whether it gets paid in full or reduced depends on the available recovery.