Bodily Injury Liability Coverage
What is Bodily Injury Liability?
Bodily injury liability provides coverage in case you cause an auto accident in which another person (or people) is hurt. It covers the damages that you're legally responsible for, and provides a legal defense if someone sues you for damages.
Bodily injury coverage is mandatory in most states, and most states have a minimum limit, so be sure to check your state’s insurance requirements.
What does Bodily Injury Liability cover?
Bodily Injury liability limits are typically shown like this: $50,000/$100,000.
This is meant to represent the highest amount per person and per accident that your insurance company would pay if you had to use this insurance.
So for example, if your limit was $50,000/$100,000 and you caused an accident that injured other people, your insurance would pay for up to $50,000 of one person's medical bills and up to $100,000 for more than one person.
How much coverage do I need?
When choosing your Bodily Injury liability limits, you should consider all of your assets, including your home and future earnings. Why? Because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit.