Bodily Injury Liability Coverage
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What is Bodily Injury Liability?
Bodily injury liability is a coverage included in most auto insurance policies, and required in most states, but be sure to check that yours includes it.
Standard coverage that protects when you're at fault
What does Bodily Injury Liability cover?
Medical expenses: This includes emergency care services, hospital fees, ongoing care costs, and more.
Legal fees and legal counsel: If the other party decides to file a lawsuit against you, Bodily Injury Liability coverage can help cover the cost of your legal defense and any associated court fees.
Loss of income: If the injured parties need to miss work or are unable to perform their job functions due to their injuries or ongoing medical care, bodily injury liability coverage can help provide compensation for work missed due to accident-related reasons.
Pain and suffering: In some cases, claims may involve payment when there is emotional stress or prolonged pain from an accident.
Funeral costs: In the unfortunate event that an accident results in a fatality, bodily injury liability coverage will help pay for any associated funeral costs.
What else should I know about Bodily Injury Liability coverage?
- Most states require a minimum amount for this coverage
- Bodily injury liability policies have limits that are the maximum amounts your insurance company will pay in the event of an accident
- You can choose higher limits for more protection
- You'll be covered for 2 different amounts: one if only one person is injured and another if multiple people are injured
- You can purchase umbrella insurance for an additional cost if you want even more coverage
How much bodily injury liability insurance do I need?
Depending on where you live, your state may have a minimum liability coverage requirement that you will need to prove you meet when you register your vehicle. Even if you meet your state requirements, you may want to consider opting for even more coverage to protect yourself and your assets financially.
How much does bodily injury liability insurance cost?
The cost of bodily injury liability coverage depends on a variety of factors, including where you live, your driving history, how much coverage you want to purchase, and more.
How do the bodily injury liability coverage limits work?
Bodily injury coverage specifies 2 different limit amounts. Coverage limits are the maximum amount your insurance would pay for a covered claim.
Per accident limit
Let's say you purchased a policy with $100k per-person and $300k per-accident bodily injury coverage limits. If you were to cause an accident and 1 person was injured, your insurance would pay up to $100k for that person's medical expenses. If 4 people were injured, your insurance would pay up to $300k total for their combined medical expenses.
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What's the difference between bodily injury liability coverage and property damage liability coverage?
While both bodily injury coverage and property damage liability coverage protect you in the event you're found at fault for an accident, they cover different things.
- Property damage liability coverage helps cover expenses you incur if you damage someone's physical property, such as somebody's vehicle or garage door.
- Bodily injury coverage helps pay for medical bills of anyone injured in an accident when you're found at fault. It also helps pay for legal defense in the event you are sued for damages.