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What is Bodily Injury Liability Coverage?


What exactly is bodily injury liability insurance?

Bodily injury liability coverage is a type of auto insurance coverage endorsement that will pay out for any injuries a driver causes to other individuals, such as pedestrians, passengers, and drivers of other vehicles. It will cover the costs of any medical expenses as well as lost earnings, and in some cases, it will also cover funeral and legal expenses too.

With the exception of just a few, almost every state now requires drivers to have bodily injury liability coverage in place.

What does bodily injury liability cover?

If you have an accident that causes an injury to another party, and you are found to be at fault for the incident; the bodily injury liability coverage will help to pay for the following things.

  1. Lost Income Compensation

Although individual state laws will vary, and the limits on the value of compensation an individual will receive can differ; if you cause an accident that injures another person, a bodily injury liability policy may help to pay their compensation for any lost wages or income.

  1. Medical Expenses

A bodily injury liability insurance policy can help to pay for the injured party’s medical expenses and/or any care they may need to receive at the hospital. If there are any follow-up visits or costs for buying equipment, then it may also cover this too. This could include crutches, a wheelchair, and more.

  1. Legal Expenses

Following an accident that causes bodily injury to another person, you might be faced with legal action. This could be from the injured party’s insurance company or from the individual directly. If you need legal assistance, your bodily injury liability policy could help with your legal expenses.

Who is covered by a bodily injury liability policy?

A bodily liability policy may help to cover the points outlined above, for any individuals you injure in an accident that was your fault. This coverage could extend to pedestrians, the driver of another vehicle, and any unrelated passengers in your own vehicle. If you face legal action following an at-fault accident you caused, it may pay for legal expenses as well.

Who is not covered by a bodily injury liability policy?

Bodily injury liability coverage will not pay for your own medical expenses or that of any members of your family. Nor will it reimburse you for any lost income if you are found to be at fault for the accident.

Coverage limits of bodily injury liability insurance

Your bodily injury liability coverage will be subject to a pre-determined limit. This limit is the maximum value that your auto insurance policy will pay out towards a covered claim. There are two different coverage limits to be aware of; a per-accident and per-person limit.

What is a Per-accident limit?

The per-accident limit is applicable to each accident, where there are injuries sustained to multiple individuals. If your per-accident limit on your policy is $150,000, and you cause an accident, the maximum that could be paid out between all three individuals will be $150,000. However, this will only be paid out to each injured individual, up to the per-person limit on your policy. If the cost of their claim exceeds this amount, you may need to pay these expenses yourself.

What is a Per-person limit?

The per-person limit is applicable to each individual that is injured in an accident. If your per-person limit on your policy is $40,000, and you cause an accident, the maximum that could be paid out to any individual will be capped at $40,000. As with the per-accident limit; If the cost of their claim exceeds this amount, you may need to pay these expenses yourself.

How Much Bodily Injury Liability Coverage Do You Need?

When you get quotes for bodily injury coverage, you are subjected to state laws that will determine the minimum amount of liability coverage you need to buy. You will have the option to purchase more coverage by raising your liability limits. Individuals will buy bodily liability coverage that is greater than any state-imposed limits to prevent them from having to pay money from their own personal estates should a claim exceed their coverage limits.

Buying Bodily Injury Liability Coverage

You will need to add this element of coverage to your existing auto insurance policy. If you are trying to get quotes for insurance, contact a commercial insurance agent to make sure you are buying the right levels of coverage for your individual needs.


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