A question that often comes up when comparing auto insurance prices and coverages is, “what is bodily injury?” It is commonly found on most policies and is required by law in most states along with property damage. When you have both coverages it is commonly referred to simply as “liability insurance”. Some people buy it just because it is a requirement in their state and they do not want to be cited for driving without the proper protection. Most are looking to find it at a very low cost. Here we will go into detail about what exactly is covered under it and what you can expect to pay when you make your purchase.

What Does Bodily Injury Insurance Cover?

Bodily injury pays passengers in another vehicle or pedestrians who are hurt as a result of an at fault accident. For example if you have an active liability policy and cause a collision with another car, the driver and other people who are injured will be compensated by your insurance company. Keep in mind that it only covers up to the policy limit which is determined by the state requirement or by the level of coverage that you select at the time of purchase. You can get free quotes on various options of liability right here on our site. Just enter your zip code at the top of this page to begin.

How Much Bodily Injury Coverage Do You Need?

Some people prefer to have only the state minimum requirement of bodily injury while others choose to go with higher limits. There are many reasons to go with a larger amount of coverage. The main reason is to avoid being sued for injuries as the result of an automobile accident. Here is one scenario to show you why this is important. Lets say that you are in California and have the required coverage of 15,000 per person and 30,000 per accident for BI liability and you run into a van that has 5 passenger in it. The 30,000 per accident will easily be used up on the first 2 or 3 people leaving no benefits for the remaining people. More than likely they will not be sympathetic towards you because you didn’t have enough coverage. More than likely they will take you to court to be compensated for medical payments and pain & suffering. This is why it is so important to consider options of what limits you need when it comes to your policy.

How Much Does Bodily Injury Coverage Cost?

The cost of bodily injury coverage depends on a couple of key factors. The type of car you drive can play an important role in the price. If you have a smaller car as opposed to a large SUV you will likely pay less. On the other hand if you have a full size truck you will probably pay more for the same coverage. Policy limits will also play a big part of how much you pay. The more protection you purchase you will have to pay more. Keep in mind that some companies offer great rates for those who wish to purchase higher levels of liability. In some cases it is only a few dollars more per month to go up to the next level of payouts. It is best to compare rates online before making your final purchase to make sure you are getting the best price possible.

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