Bodily Injury Liability Insurance

Tangibles, intangibles are covered in an at-fault wreck when motorists carry Bodily Injury Liability Insurance

As part of the mandatory car insurance required across most of the country, bodily injury liability protects insured drivers when they are found responsible in a traffic accident that causes injuries to another driver. It also extends coverage to other drivers authorized to drive the primary policy holder’s vehicle.

The coverage doesn’t just pay for the other driver’s hospital bills in an at-fault accident though. If the insured at-fault gets a bill from emergency responders that were at the accident, bodily injury liability pays for that also. Bodily injury liability insurance also pays for lost wages if the injured driver cannot get back to work because of their injuries. Even any legal fees or bail associated with the at-fault accident can be covered through bodily injury liability coverage. Funeral costs are also covered with bodily injury liability insurance.

Another benefit provided through bodily injury liability is the payment for the victim’s physical and mental trauma.

Bodily injury liability coverage minimum limits vary from state to state. For example, in the Lone Star State of Texas the minimum a driver should carry on their insurance policy is $25,000, while in California the minimum required by the state is $15,000.

Although too much coverage can’t be a bad thing, everyone’s financial picture is different so how much bodily injury liability coverage a driver chooses depends on their financial situation. However, most financial experts suggest that a driver’s coverage should sufficiently protect the value of their assets such as a home, 401K, and savings. For example, Montana’s minimum state requirement is $25,000 however the most common coverage amount sold is $100,000. When a policy’s coverage limits are exceeded, attorneys for injured drivers will typically turn to an-fault driver’s assets to recoup costs.