What is Bodily Injury Coverage?
Protection for Injury to Someone Else
Bodily injury liability insurance protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else.
This insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.
The bodily injury liability insurance coverage amount is a "Split Limit," such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.
Insurance Coverage availability varies by state
Determining Limits for Bodily Injury Liability Insurance
Bodily injury liability coverage protects you if you are at fault in
an accident. If your policy doesn’t have enough liability coverage, you could be sued personally. When you’re determining how much bodily injury insurance coverage is appropriate for you, it’s important to consider all the assets you want to protect.
When Bodily Injury Liability Insurance Comes in Handy
Let’s say you're driving home on a rainy afternoon when suddenly, the car in front of you brakes. You're unable to stop in time and end up slamming right into the other car's rear end.
The other driver is injured and gets taken to the hospital. You are now responsible for the other driver's medical bills, lost income and “pain and suffering.”
Luckily, you have enough bodily injury liability coverage to pick up the tab. If you didn’t have enough coverage, you could be sued for damages.