What does Bodily Injury Liability cover?
Standard coverage for when you’re at fault
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What is Bodily Injury Liability?
Bodily Injury Liability Coverage (BI) is the part of your insurance that helps pay for injuries to others if you’re at fault for an accident. It can also help pay for legal fees if you’re sued for damages. In general, BI is one of the coverages required by most states and is included in most car insurance policies. That being said, it’s still a good idea to make sure it’s part of your policy.
Standard coverage for when you’re at fault
For injuries to others, this can include payment for things like:
Legal fees and legal counsel
Bodily Injury Liability can help pay the cost of your legal defense and any associated court fees if the other party sues you.
Loss of income
In an at-fault accident, Bodily Injury Coverage can help pay expenses for others injured in the accident who have to miss work or cannot work due to their injuries.
Pain and suffering
In some cases, claims may involve payment when there is emotional stress or prolonged pain from an accident.
Funeral costs
In the unfortunate event that an accident results in a fatality, Bodily Injury Liability coverage will help pay for any related funeral costs.
How much Bodily Injury Liability do I need?
In general, BI limits are broken into 2 parts. This is often shown as a “number/number” (ex., 100/300). Here, the numbers are
- In the thousands
- 1st is the per-person limit
- 2nd is the per-accident limit
So, for example, 100/300 would be
- $100,000 per person
- $300,000 per accident
Per person
The most your Bodily Injury Coverage would pay per person. This is also limited by the per-accident total.
Per accident
The most your Bodily Injury Coverage would pay per accident. So, no matter how many people are injured, this is the most your policy would pay for injuries you cause.
Let’s do another example. You have BI Limits of $ 100k/ $ 300k.
- You’re at fault for an accident, and 1 person is injured
- Your insurance would pay up to $100k for their medical expenses
- If 4 people are injured, your insurance will pay up to $300k total for their combined medical expenses
What’s the difference between Bodily Injury Liability coverage and Property Damage Liability coverage?
Bodily Injury Liability Coverage and Property Damage Liability Coverage both help protect you if you’re at fault for an accident. The difference is in what types of bills they pay for.
Bodily Injury helps pay for costs related to injuries caused by accidents like
- Medical bills
- Legal costs for you if you’re sued
Property Damage Liability helps pay for damages to peoples’ property and related expenses like
- Vehicle repairs
- Towing fees
- Rental vehicle while the vehicle is being fixed
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How much does Bodily Injury Liability insurance cost?
In states where it’s required, Bodily Injury Liability is generally included in the overall price of your policy. Suppose you choose to increase your coverage limit for extra protection. In that case, your premium will likely increase depending on the amount you choose.
What else should I know about Bodily Injury Liability Coverage?
- Most states require a minimum amount for Bodily Injury Liability Coverage.
- Bodily Injury Liability has limits, which are the maximum amounts your insurance company will pay in the event of an accident.
- You can choose higher limits for more protection.
- You’ll be covered for two different amounts: one if only one person is injured and another if multiple people are injured.
- You can purchase umbrella insurance for an additional cost if you want even more coverage.
Property Damage
In most cases, the Personal Injury Protection policy will cover you and your passengers. It may pay for your medical treatment, lost wages, or other accident-related expenses regardless of who caused the accident
Medical Payment
In most cases, the Medical Payment policy will cover you and your passengers. It may pay for your medical treatment,
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Common questions about car insurance
What is car insurance?
First, let me start with the basics—an individual must purchase liability insurance for their vehicle (and thus its owner) to be considered “insured” under state law. This rule applies across all circumstances- even if no accidents take place!
This protection exists so others may not suffer financially due to injuries sustained during a collision. We also offer Collision insurance if your vehicle needs repairs after an accident and comprehensive coverage if your car is vandalized.
How can I save money on car insurance?
The first way to save on car insurance quotes is by ensuring that your vehicle meets the minimum safety standards.
This will also help avoid costly repairs in case of an accident, leading you into a higher premium rate category due to being risky drivers!
You should consider reviewing any existing coverage aspects as well if they’re not up-to-par with current market rates – this includes both physical damage protection beyond merely bumper-, windshield-, comprehensive and collision-.
How do I file a car insurance claim with Risk Coverage?
Like many of our policyholders, the company that provides you with car insurance can be a life-saver, and we’re here to help. Log onto Risk Coverage’s website or call us if your car needs immediate attention, so we’ll ensure it gets the best care possible!
Should I get an umbrella policy too?
If you’re involved in an auto collision, and the other person’s fault is unclear, it may be time to consider getting extra protection.
Umbrella policies offer increased financial compensation for injuries, damage done on behalf of a covered individual that results from accidents occurring outside their control (such as driving into traffic), plus legal fees that will arise.
What are auto insurance coverages available?
Insurance for auto policies varies by state, but the basics of an auto policy include multiple coverages.
Some common types are liability (to protect against physical injury), comprehensive (for damage), and collision(to assist with reporting accidents).
You might also need medical payments or personal effects coverage if you rent cars regularly due to various restrictions in some states – these will depend entirely upon your specific situation!
Does car insurance cover rental cars?
Your car insurance may provide coverage for rental cars. To find out, call Risk Coverage to see if your current auto insurance policy covers rental vehicles.
Risk coverage will never let you walk away without vehicle rental. If you have full range, why? Because in certain situations, for $2 a month, you can be covered if you get in an accident and need a vehicle to continue getting around.
There are some benefits of having Credit cards since some provide discounts for renting a car. Some credit cards offer additional coverage but make sure you understand the terms and conditions, including any limitations on the type and amount of coverage.
What do I need to get an auto insurance quote?
To get the most accurate quote on new policies, you need to supply your car’s make, model, year, and information about your driving history. You’ll need your vehicle identification number (VIN) handy to purchase an auto policy. We’ll also ask for your driver’s license number.
Not sure which coverages to select? Our car insurance calculator can help you estimate your coverage needs. Ready to get started? Get a quick car insurance quote online or call us.