Catherine C Ford, Writer
@catherine_ford_1
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
- Bruises
- Fractured or broken bones
- Nerve damage
- Organ damage
- Disfigurement
- Traumatic brain injuries
- Pulled or sprained muscles
- Dislocated joints
- Paralysis
- Mental anguish or emotional injury (in some cases)
For additional information, check out WalletHub’s guides on bodily injury liability insurance and filing a bodily injury claim.
People also ask
What is the difference between bodily injury and personal injury in car insurance?
The difference between bodily injury (BI) and personal injury (PIP) coverage in car insurance is that PIP pays for the policyholder’s own medical bills, while BI covers others’ medical bills when the policyholder is at-fault. Bodily injury coverage is a form of liability insurance. It is required in almost every state, but only 13 states require personal injury protection. It’s also worth mentioning that bodily injury coverage does not have a deductible, while PIP generally does.
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