How Does Bodily Injury Liability Coverage Work?

By Mike Anderson Posted in Car Insurance News

What Is Bodily Injury Liability Coverage

Bodily injury liability coverage is the amount that your insurance policy will pay out in the event of  accidents where injuries are incurred. This amount is intended to cover the medical costs of the victims in an accident. If you are the driver and are at-fault in an accident, then your insurance company would use the bodily injury portion of your policy to cover the medical expenses of those injured in the accident that you caused. It can also be used to cover the medical expenses of injuries incurred by your passengers in an accident. All insurance plans have some type of bodily injury coverage. Liability bodily injury insurance is the minimum amount required by the state.

How It Works

All states require liability coverage as the minimum amount of insurance you can purchase on your car. Liability insurance is broken into three parts; amount of coverage per person, amount of coverage per accident, and amount of coverage for damage to property. When you purchase a policy it may look like this: $25,000/$50,000/$25,000. This means that you have $25,000 per person maximum of bodily injury coverage and $50,000 maximum per accident for bodily injury coverage. The final $25,000 is the maximum allowed for damage to property.

How It Can Be Purchased

Bodily injury liability coverage can be purchased several different ways. The minimum amount can be purchased through your state-required liability policy. It is okay to purchase the minimum required but be aware that it may not cover all the medical expenses incurred in an accident and it doesn’t cover any of your medical expenses.

The average trauma emergency room visit can cost as much as $10,000. That’s just for the emergency room visit not including any inpatient hospital, surgical or rehab care. If someone is seriously injured in an accident it can cost nearly one million dollars in medical expenses to get them better, if they don’t require any life-long treatment. If you caused the accident, you are responsible for covering the additional medical expenses not covered by your bodily injury policy. Purchasing additional bodily injury coverage could be a life saver in the long run.

Related posts:

  1. What Are The Best Liability Coverage Limits?
  2. What Is Personal Injury Protection For Car Insurance?
  3. What Are The Minimum State California Auto Insurance Laws?
  4. New Minimum Arkansas State Requirements For Little Rock Car Insurance
  5. Which Parts Of A Car Insurance Policy Are Not Required By State Laws?

One Response to “How Does Bodily Injury Liability Coverage Work?”

  1. Lucius Seuss says:

    Before buying a funeral insurance plan, it is important to discover what the state laws are concerning these kinds of funeral insurance programs. It’s also necessary to determine the license of the funeral director that your will be planning your services with. Also, ensure that your policy can be transferred in case you are relocated or have to move anytime before your death.

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