Bodily Injury Liability Insurance

What is Bodily Injury Liability Insurance?

Bodily injury liability auto insurance helps cover the costs when you are held legally responsible for an automobile accident that caused injury or death to others. Legal defense fees, court costs, and bail bond expenses are provided with bodily injury liability coverage. The availability of bodily injury limits vary by state.
 

What is a Bodily Injury Claim?

A bodily injury claim is made by a person who was injured in an automobile accident. The claim is made against the person who caused the accident. The claim usually contains information on soft tissue injuries, hard injuries (e.g. broken bones, joint/head injuries), whiplash trauma and permanent or residual injuries caused by the accident. Documentation of the date of injury, how it occurred, the prognosis and length of treatment and recovery are also included in the claim.
 
Often, bodily injury claims demand compensation is made to the injured person for past and future medical expenses as well as negatively impacted quality of life due to the accident. This compensation may be paid by the at-fault-driver’s insurance company. If the at-fault-driver has insufficient insurance, for damages which exceed their limits.
 

Determining Bodily Injury Limits

Bodily injury liability coverage helps pay the costs of injury claims if you are at fault for an accident where others were harmed. If your auto policy doesn’t have enough liability coverage, you could be sued personally. When you’re determining how much bodily injury insurance coverage is appropriate for you, it’s important to consider all the assets you want to protect.
 
The bodily injury liability insurance coverage amount is a "Split Limit," such as $100,000/$300,000. The first figure is the maximum limit of coverage for one injured person. The second figure is the coverage limit for two or more persons in any one accident or occurrence.
 

When Do You Need Bodily Liability Coverage?

Let’s say you're driving home on a rainy afternoon when suddenly, the car in front of you brakes. You're unable to stop in time and end up slamming right into the back of the other car.
 
The other driver is injured and is taken to the hospital. You are held responsible for the other driver's medical bills, lost income and “pain and suffering.”
 
Luckily, you have enough bodily injury liability coverage to cover the costs. If you didn’t have enough coverage, you could be sued for damages.
 

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Bodily Injury

Learn more about bodily injury in this video.