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Accidents are an unfortunate part of life, and when they lead to injuries, the consequences can be physical, emotional, and financial. “Personal injury” is a legal term that generally applies when someone is harmed because another person or entity acted carelessly, recklessly, or intentionally. Common examples include car crashes, slips and falls, medical mistakes, defective products, workplace accidents, and assaults.

Most personal injury claims are based on negligence. To succeed, an injured person typically must show:

The other party owed a duty of care (for example, a driver’s duty to follow traffic laws or a property owner’s duty to keep the premises reasonably safe).
That duty was breached (speeding, failing to clean up a spill, ignoring safety rules).
The breach caused the accident and resulting injuries.
The injured person suffered damages (medical bills, lost income, pain and suffering, and other losses).
When an accident occurs, medical treatment is always the first priority. After immediate needs are addressed, documenting the incident can be critical. This may include photographs of the scene, obtaining witness contact information, preserving physical evidence, and keeping copies of medical records and bills. Insurance companies—whether auto, property, or liability insurers—often become involved early, and they may seek recorded statements or push for quick settlements.

Many personal injury claims are resolved through negotiation and settlement without ever going to court. In a settlement, the injured person typically agrees to accept a certain amount of money and, in return, signs a release of all claims against the at-fault party and their insurer. Settlements can provide faster resolution and more predictable outcomes, but they usually involve compromise and are final once accepted.

When settlement is not possible or fair, litigation may be necessary. A personal injury lawsuit starts with filing a complaint in civil court, outlining what happened and the legal basis for seeking compensation. The defendant then responds, and the case moves into discovery, where both sides exchange information, documents, and witness testimony. Many cases still settle during this phase, but if they do not, they proceed to trial, where a judge or jury decides liability and the amount of damages.

Damages in personal injury litigation may include:

Economic losses: medical expenses, rehabilitation costs, lost wages, reduced earning capacity, and property damage.
Non-economic losses: pain and suffering, emotional distress, loss of enjoyment of life, and loss of companionship in some cases.
In serious cases involving gross misconduct or intentional harm, some legal systems also allow punitive or exemplary damages, meant to punish and deter particularly egregious behavior.

Most jurisdictions enforce time limits, called statutes of limitations, which restrict how long an injured person has to file a lawsuit. Missing these deadlines can permanently bar a claim, making it important to get timely legal guidance.

Many personal injury lawyers work on a contingency fee basis, meaning their fee is a percentage of any recovery and is only paid if the case is successful. This can make litigation accessible to people who might otherwise be unable to afford legal representation.

This overview is general information, not legal advice. Laws and procedures vary by location and by the specific facts of an accident, so anyone injured in an incident should consider speaking with a qualified attorney in their area to discuss their options, rights, and the potential for a personal injury claim or lawsuit.