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What Is Bodily Injury Liability Coverage

Bodily injury liability coverage will help pay for another person’s injuries in a car accident for which you are found to be the guilty driver. It is one of two types of liability auto insurance. The other, property damage liability coverage, pays for damage you may cause to the other driver’s car. Some minimum amount of both types of liability car insurance is typically required by states. Read more and get auto quotes online from our website!

Bodily injury insurance will cover a portion of the short- and long-term costs related to injuries. These include not just passengers, but also walkers and bystanders who may have been involved. Here are some examples of what bodily injury insurance typically covers:

  • Medical expenses. Bodily injury insurance covers hospital fees and emergency care associated with the accident. For some claims, it may also cover follow-up visits and equipment costs.
  • Legal fees. In case of an accident, the other party may file a lawsuit against you. Bodily injury insurance often covers legal defense fees and can help defray significant court costs.
  • Loss of income. Used when the injury interferes with the ability to work.
  • Pain and suffering. This can be a tricky cost to quantify, but the other party may claim repayment for lingering pain or emotional distress as a result of the injuries.
  • Funeral costs. In the event of fatalities, bodily injury coverage will also help pay for the funeral costs.

Liability insurance packages come in two varieties: combined single limit policies and split limit policies. In a combined single limit policy, your policy will offer a certain amount of coverage, and you can decide how to divide that coverage between bodily injury and property damage. If you purchase a split limit policy, you will notice that there are two numbers displayed. The first number is the limit per person which is the maximum amount that your insurance provider will pay for injury expenses for any single person involved in the accident. The second number is limit per accident, or the maximum amount the provider will cover for all people involved in the accident.

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