The Purpose of Bodily Injury Coverage

An automobile insurance policy comes with various types of coverages including one that is called bodily injury. Bodily injury coverage pays for medical costs, is the same as liability coverage and is available in various amounts or limits. Bodily injury coverage is an important coverage to have in the event of an accident.

Bodily injury coverage that comes with an automobile insurance policy will pay for the medical costs as the result of an injury. Bodily injury coverage pays for injury that is sustained to other individual’s that are involved in an automobile accident. This can also include other related expenses such as rehabilitation, medicines and lost income if an injured person cannot work. Bodily injury coverage is an important part of an automobile insurance policy. If a person in injured in a state that has no fault insurance laws a claim needs to be filed with a person’s own insurance company. This is because no fault insurance laws also limit the ability so sue for damages.

The bodily injury coverage of an insurance policy is generally what people are referring when they talk about liability coverage. A typical automobile insurance policy contains coverages for collision, comprehensive as well as property damage and bodily injury. The bodily injury portion of the policy is what pays for damages when a claim is filed for injury or if a driver is sued. The liability coverage of the policy is what pays for the legal costs up to the policy limit. An automobile accident can happen at any time and a driver can either be at fault or not at fault. In either case it is important to have bodily injury coverage on an automobile policy.

Bodily injury coverage just like any other coverage on an automobile policy comes in various amount or limits The minimum limits required by most states is the maximum amount an insurer will pay out on the policy in the event of an accident. The coverage limits can range from $50,000 to $100,000 or more depending on the coverage amount that are needed. Most states require a minimum amount of coverage to be carried on a policy. As a result an insurer will not offer amounts below the state’s minimum just to save money on the cost of the premium. It is also important to note that an insured can use various discounts to lower the amount of the premium if higher limits are required on the policy.

Bodily injury is an important coverage to have in the event of an automobile accident. An accident can result is serious injury that can result in medical costs as well as legal costs. The benefits of bodily injury coverage are worth the costs to carry an adequate amount of coverage on an automobile insurance policy.