No, bodily injury liability does not cover your medical expenses. Bodily injury liability insurance only covers costs related to injuries suffered by other drivers, passengers, and bystanders involved in an accident caused by the policyholder.
What Bodily Injury Liability Does Cover
Medical expenses for victims of an accident caused by the policyholder
Legal fees for the policyholder if a lawsuit is filed against them
Loss of income for victims of an accident caused by the policyholder
Compensation for pain and suffering for victims of an accident caused by the policyholder
Funeral costs for people killed in an accident caused by the policyholder
Keep in mind that bodily injury liability policies have limits on how much will be paid per person and per accident. To find out what your bodily injury liability limits are, you should consult your online insurance account or call your insurance company.
Bodily injury liability insurance covers other drivers’ medical expenses if they are injured in a car accident that you cause. Bodily injury liability insurance can pay for things like another driver’s emergency care, hospital fees, and even lost wages after an accident you’re at fault for.
Although bodily injury liability won’t cover your own injuries or associated costs, it can cover your legal fees if you are sued because of an at-fault accident. However, in … read full answerno-fault states, there may be limits to when drivers are able to sue after an accident.
What Bodily Injury Liability Covers
Emergency care, like ambulance costs and emergency room fees
Hospital fees, such as surgery expenses or doctor visits
Pain and suffering, including emotional distress
Loss of income
Childcare and homecare
Equipment costs associated with the injuries, like crutches or wheelchairs
The policyholder’s legal fees
What Bodily Injury Liability Does Not Cover
The policyholder’s injuries and medical expenses
Damage to property, such as vehicles or stationary objects
The policyholder’s lost wages, home aid, or other peripheral costs
Bodily injury liability insurance is required in almost every state. Regardless of how much coverage your state requires, you should always purchase as much as you can comfortably afford in order to protect both your own finances and other drivers on the road.
In auto insurance, the difference between medical payments and bodily injury coverage is that medical payments (MedPay) insurance covers the policyholder, while bodily injury coverage applies to a third-party. Liability insurance only ever pays for damage caused to others, but MedPay applies regardless of fault. In addition, bodily injury coverage is required in almost every state, while medical payments insurance is only required in Maine and New Hampshire.… read full answer
Medical Payments vs. Bodily Injury Auto Insurance Coverage
Injuries to the Policyholder
Injuries Caused by the Policyholder to Another Driver
Required in Most States?
The bottom line is that bodily injury liability and medical payments auto insurance coverage pay for similar things but in different situations. You can only file a bodily injury claim with an at-fault driver's liability insurance. But if you cause the accident yourself, you need to file a claim with your own medical payments insurance, or with your personal injury protection (PIP) coverage if you don’t have MedPay.
Furthermore, medical payments insurance is often used as supplementary coverage to a health insurance plan, since MedPay can help you avoid expensive deductibles, copays, and coinsurance costs. MedPay can also be used if the policyholder is walking or biking instead of driving when a collision occurs.
If you’re a passenger in a car accident, your medical expenses will usually be covered by your driver’s insurance or the other driver’s policy, depending on fault. You can also use your personal car insurance policy to cover your injuries if you have certain types of coverage, like personal injury protection… read full answer. Additionally, you may be used as a witness during the insurance adjuster’s investigation in order to help them determine fault.
Coverage That Applies When You’re A Passenger in a Car Accident
Personal injury protection and medical payments coverage can be used regardless of who caused the accident, though you and your driver may not have either if they’re not required in your state. Additionally, if your driver is at-fault, their bodily injury liability insurance will only cover you if you are not a member of the same household.
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