Catherine C Ford, Writer
@catherine_ford_1
Insurance pays $30,000 to $100,000+ per accident for bodily injuries, depending on which state you live in and how much coverage you purchase. Almost every state requires drivers to have bodily injury liability insurance to pay for other people’s medical expenses from an accident that the policyholder is at fault for. Most states require a certain amount of coverage for each person, up to a maximum amount per accident.
Key Things to Know About Bodily Injury Liability Insurance
- Bodily injury liability insurance covers medical expenses, loss of income, funeral costs, and pain and suffering for the people affected by a car accident for which you are liable.
- If you are sued for someone’s medical expenses after a car accident, the cost of your legal defense can be covered up to your policy’s limits.
- You can elect to carry more coverage than your state requires.
- Insurance companies will often offer coverage limits up to $300,000 or $500,000 per accident for bodily injury liability insurance.
- Insurance companies and financial experts recommend that you carry enough bodily injury liability insurance to match your net worth, so your assets are protected from a potential lawsuit.
- You can purchase umbrella insurance if you need additional bodily injury liability coverage.
To learn more, check out WalletHub’s guide on bodily injury liability insurance.
People also ask
What is the recommended bodily injury liability coverage in Florida?
The recommended amount of bodily injury liability coverage in Florida is at least $100,000 per person and $300,000 per accident. These amounts are high enough to protect most people’s assets if they are at fault for an accident, though you should get enough liability insurance to equal your net worth. Florida does not require bodily injury liability coverage, which pays for others’ medical expenses after an accident you cause, but it’s still good to have.
In Florida,...
read full answer by Delaney Simchuk, Car Insurance WriterWhat is considered bodily injury in a car accident?
Any physical harm caused by an accident is considered a bodily injury, including burns, cuts, broken bones, and nerve damage. Bodily injury liability insurance covers medical expenses, lost wages, pain and suffering, and funeral costs related to other people’s bodily injuries when you’re at fault for a car accident. This type of insurance is required as part of minimum coverage in most states.
Examples of Bodily Injuries Covered by Car Insurance
- Burns
- Cuts, scraps, or lacerations...
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