Bodily injury coverage is a type
of liability insurance coverage that take effect when you are legally
responsible for an accident. It pays for other party's expenses
and damages in the event the other person is injured or killed.
Expenses it covers includes 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 coverager
or underinsured motorist coverage.
How much Bodily Injury Coverage should your Car Insurance
With the ever increasing cost of health care, having adequate
bodily injury coverage in your Car Insurance Policy is very
The Insurance Information Institute recommends that you buy at
least $100,000 of bodily injury protection per person and
accident to protect yourself financially. Without enough coverage
of this type of car insurance, you could be held legally liability
to pay for the injured person's medical expenses and loss of income.
Protect your assets and savings against potential lawsuits
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
First number: bodily injury liability maximum for
one person's injuries
Second number: bodily injury liability maximum
for all injuries in one accident
The other type of liability insurance coverage is the: Property
Damage Liability Coverage