Bodily Injury Coverage
Bodily Injury Liability Auto Insurance
What happens if an accident occurs and the other party suffers bodily injuries? If a person is injured in a car crash, they may require medical attention and related expenses that someone needs to pay for. If you're at fault, that person will be you. When you purchase car insurance that covers bodily injury liability, you gain financial protection against those unexpected costs.
State minimum requirements
Many states require a minimum in bodily injury liability, so that insurance companies can pay for injuries on behalf of the insured. It's important to check with your local Department of Motor Vehicles to determine what amounts your state requires, if any. Some states will not allow you to register or renew a registration on a car without it. Also, the minimum state requirements may not be enough and it may be wise to get more coverage.
You can request a free, no obligation quote for bodily injury liability insurance here.
Beyond state minimum requirements
It's important to note that bodily injury liability coverage primarily pays the medical expenses of motorists you accidentally injure. It does not cover your own injuries, and other costs such as wages can add to your liability. For example, if you're the cause of an accident that results in the other motorist breaking a leg, you can expect to pay for medical treatments, surgery, medications and other medical expenses, plus loss of pay as the driver's leg heals, and costs to rehabilitate the leg. The state minimum liability requirements may not be enough to cover such expenses, especially if several people are injured in an accident. Therefore, you should explore your options for purchasing more insurance, and a policy that is more comprehensive than just bodily injury liability.