Q: What does bodily injury liability mean in auto insurance?

Bodily injury insurance’s definition includes the payment of medical expenses and lost wages of other drivers, passengers, and other people in accidents you cause. Most states require you to carry this coverage.

Question 1

What does bodily injury liability mean in auto insurance?

Accepted Answer

Bodily injury insurance&#8217;s definition includes the payment of medical expenses and lost wages of other drivers, passengers, and other people in accidents you cause. Most states require you to carry this coverage.

Question 2

Does bodily injury liability cover me?

Accepted Answer

Bodily injury liability insurance doesn’t cover your medical expenses or lost wages. Bodily injury insurance covers only injuries to other parties. However, it protects you from lawsuits after an at-fault accident.

Question 3

How much bodily injury insurance is included in full coverage?

Accepted Answer

You must meet your state minimum auto insurance requirements for bodily injury and carry other coverages such as collision and comprehensive to have full coverage.

Question 4

Do you have to have bodily injury insurance in Florida?

Accepted Answer

Florida auto insurance doesn’t require bodily injury liability coverage unless you were convicted of a traffic violation.

Question 5

What is the difference between bodily injury liability (BIL) and personal injury protection (PIP)?

Accepted Answer

BIL auto insurance covers the medical expenses of the person who didn’t cause the accident. Personal injury protection (PIP) auto insurance helps pay for your own medical bills after an accident.

Question 6

What is the max you can get from an auto accident liability settlement?

Accepted Answer

The average property damage liability claim is about $3,500 but it all depends on the extent of the accident’s damage. Read more about the best property damage liability (PDL) auto insurance companies.

Question 7

When should you get liability-only auto insurance?

Accepted Answer

If the cost of comprehensive and collision exceeds 10% of your vehicle’s value, get liability-only coverage. If you need a cheap policy, enter your ZIP code into our free comparison tool to find the lowest rates in your area.

Question 8

What happens if I exceed my bodily injury coverage limits?

Accepted Answer

If the costs associated with injuries in an accident exceed your bodily injury coverage limits, you may be personally responsible for the additional expenses. So, it’s important to carefully consider your BIL coverage limits and potentially consider umbrella insurance to provide extra liability protection.

Question 9

What happens if I don’t have bodily injury coverage?

Accepted Answer

You could get sued for the other drivers’ medical expenses if you don’t carry bodily injury liability auto insurance. Driving without auto insurance is also illegal and could lead to consequences, including fines, license suspension, and jail time.

Question 10

Does bodily injury cover pain and suffering?

Accepted Answer

Yes, the best auto insurance companies consider pain and suffering when settling bodily injury liability claims.

Question 11

How do I choose the appropriate bodily injury liability (BIL) coverage limits?

Accepted Answer

Choosing the appropriate bodily injury liability (BIL) coverage limits depends on several factors, including the state requirements, your assets and financial situation, and your risk tolerance.
It’s important to consider the potential costs of medical treatment and legal expenses in the event of a serious accident. If you have significant assets, you may want to consider higher BIL coverage limits to protect yourself from potential lawsuits.

Question 12

What does bodily injury liability not cover?

Accepted Answer

Bodily injury liability (BIL) auto insurance doesn’t cover injuries to you or your passengers in your own vehicle. It also doesn’t cover damage to your vehicle or the other person’s vehicle involved in the accident. BIL coverage specifically covers injuries you caused in an accident.

Question 13

Can you file a bodily injury claim against your own insurance?

Accepted Answer

No, you can’t file a bodily injury claim against your own insurance. Bodily injury liability only pays for the medical expenses and lost wages of other drivers you injure in an at-fault accident. You must get medical payment coverage on auto insurance for help paying for hospital bills after an accident.

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