The Policy booklet says that bodily injury means "bodily injury to a person and sickness, disease, or death that results from it". We have been told we can include loss of consortium, loss of income, etc. under the amounts in our UIM claim. Is that correct? We don't know who to believe. Does CO law broaden the definition of other costs that are included in bodily injury?
I practice in Indiana but generally speaking it would definitely include more than medical costs. If you are trying to settle a bodily injury claim yourself under the underinsured motorist provision of your policy, you should contact a Denver personal injury attorney. There are many listed on this web site under Find a Lawyer and most initial consultations are free. Interpreting policy language and identifying correctly all of the damages to which you are entitled is difficult for a lay person. If you already had a lawyer to settle the claim against the at-fault driver, then they would be in the best position to answer your question.
It should be noted that you did not provide the context for your question. Generally, "bodily injury" is very broad and includes all manner of injury to the person - whether direct or indirect. Case law in various jurisdictions has refined the definition in various states. But because of various policy considerations in different areas of tort law, the definition has different applications in different places. For example, for certain types of insurance, such as no fault insurance claims, medical premises coverages, UM and UIM insurance coverages, there are limitations on the "bodily injury" concept which do not exist for personal injury claims.
I agree with the others that you would be wise to hire an attorney unless your injuries are very minor. That said, in Colorado you are entitled to recover for physical and mental pain and suffering, inconvenience, emotional distress, impairment of the quality of life, physical impairment, disfigurement, loss of earnings, damage your ability to earn money in the future, medical, hospital, and other expenses, any other economic damages of which there is sufficient evidence, and loss of consortium. All of these can be recovered for past and future if the evidence supports it.
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