Bodily Injury Liability Coverage

What is bodily injury liability coverage?

If you are at fault in a car accident which results in injuries to the other party, bodily injury liability coverage will help cover medical costs to passengers in your car and the other car, as well as legal costs incurred as a result of the accident.

Who needs bodily injury liability insurance?

Almost everyone. Many states require a minimum amount of bodily injury liability coverage. Those not required to purchase this type of coverage should look into other insurance plans, such as medical insurance, as an alternative means to help cover costs.

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Why do you need bodily liability insurance?

Because medical and legal costs can be astronomical, investing in bodily liability coverage can save you a bundle in the long run. Whether or not the accident is your fault, the other party may sue you for damages. The legal fees you incur defending yourself would break any bank account. Bodily injury liability coverage will help protect you in case this unfortunate event should ever occur.

How much bodily injury liability insurance do you need?

There are different increments of bodily injury liability coverage that you can purchase depending on your insurance carrier. Bodily injury coverage is defined in terms of per-person and per-accident coverage limits. For instance, a policy that stipulates $100,000/$300,000 in coverage will provide up to $100,000 in damages for one person in an accident and up to $300,000 for all injuries incurred in an accident.

It is recommended that you purchase as much coverage as you can comfortably afford. The monthly fee for bodily injury liability coverage will more than offset the potential costs you may be held liable for in case you are in an accident.

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