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Bodily Injury Liability
What is bodily injury liability insurance?
Bodily injury liability insurance covers you
in the event that you cause an accident that hurts
someone else. Your bodily injury liability insurance
covers the medical costs of any physical injury
incurred by passengers in your car and other cars
after an accident for which you are responsible.
It also covers the legal costs that you may incur
when you cause an accident.
Who needs bodily injury liability insurance?
Nearly everyone on the road needs bodily injury
liability insurance. Most states require at least
a minimal amount of coverage, though some states
don't. Check out what your medical insurance covers
and how much it covers, as well as the details
of other plans that you already own, before making
a purchase.
Esurance can help you find the right car insurance with a free quote today! >>
Why is bodily liability insurance necessary?
Medical costs are the number one cause of bankruptcy
in this country, and investing in bodily liability
insurance coverage can help save you from this
fate. The legal fees alone could bankrupt you
if you are sued for damages, and bodily injury
liability covers those, too. You can get sued
even if the accident isn't your fault. Regardless
of fault, bodily liability insurance covers you
in the court room.
How much bodily injury liability insurance do you need?
Different carriers offer different amounts of bodily liability insurance coverage. Some offer a choice between $100,000 and $500,000. The smaller amount covers one person per claim; the larger amount takes care of everyone injured in an accident. Other carriers are more specific, offering a cap per person and another cap per accident. For example, you may find a policy that stipulates $200,000/$500,000. This means that the most they will pay in the event of an accident is $200,000 per person with no more than $500,000 per accident.
Buy as much bodily injury liability coverage
as you can afford. The possible offset costs in
the event of an accident make the monthly fee
for the coverage a good investment, and one you
will be thanking yourself for should you ever
need it.
Get a free personalized auto insurance quote today! >>
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