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Bodily injury coverage is a type
of liability insurance coverage that takes effect when you are legally
responsible for an accident. It pays for the other party’s expenses
and damages in the event the other person is injured or killed.
Expenses it covers include medical expenses, funeral expenses,
legal expenses and fees, pain and suffering, and lost wages. Bodily
injury liability coverage does not pay for your own medical expenses.
Your medical expenses are covered under the medical payments coverage
or underinsured motorist coverage.
How much Bodily Injury Coverage should your auto insurance policy cover
With the ever increasing cost of health care, having adequate bodily
injury coverage in your auto insurance policy is very important.
The Insurance Information Institute recommends that you buy at least
$100,000 of bodily injury protection per person and $300,000 per
accident to protect yourself financially. Without enough coverage
of this type of car insurance, you could be held legally responsible
to pay for the injured person’s medical expenses and loss of income.
Protect your assets and savings against potential lawsuits by purchasing
more than the state’s minimum bodily injury liability limits.
Liability amounts are usually written as three numbers separated
by slashes. The first two numbers represent the bodily injury liability
limit.
First number: bodily injury liability maximum for
one person’s injuries
Second number: bodily injury liability maximum
for all injuries in one accident
Other type of liability insurance coverage is the: Property
Damage Liability Coverage
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