McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Bodily injury liability is a type of car insurance that covers other people’s accident-related medical expenses if you are at fault in an accident. Bodily injury liability insurance will not cover your own medical costs, but it can help pay for legal fees if you are sued after causing an accident. Bodily injury liability insurance is a key part of liability coverage and is required in most states.
Key Things to Know About Bodily Injury Liability Insurance
- When you are at-fault for an accident, your bodily injury liability insurance will cover the other driver’s medical expenses, lost wages, funeral costs, and pain and suffering, up to the limits of your policy.
- Most states require at least $25,000 in bodily injury liability coverage per person and $50,000 per accident, though exact requirements vary by state.
- Bodily injury liability insurance can be a single-limit or split-limit.
- Bodily injury liability insurance normally comes with property damage liability insurance (the other main part of liability coverage), which covers other people’s vehicle repairs after an accident you cause.
To learn more, check out WalletHub’s guide to bodily injury liability insurance.
People also ask
How does bodily injury liability work?
Bodily injury liability works by covering other people’s medical expenses and lost wages if they are injured in an accident you cause. Bodily injury liability insurance will not pay for your own medical costs if you are at fault, but it can help pay your legal fees if you are sued as a result of the crash.
Bodily injury liability is a key part of liability insurance, along with property damage liability coverage. Most...
read full answerHow much bodily injury liability should you have?
You should have at least as much bodily injury liability insurance coverage as your state requires, and it’s good to purchase coverage limits that are equal to your assets. Maintaining enough bodily injury liability insurance to cover your net worth is recommended to prevent lawsuits.
Bodily injury liability coverage pays for other drivers’ and passengers’ injuries when the policyholder is at fault in an accident. Bodily injury liability can cover medical bills, funeral expenses, lost wages, legal...
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