Leif Olson, Car Insurance Writer
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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.
To learn more, check out WalletHub’s guide to bodily injury liability coverage.
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