Bodily injury liability coverage is one of the most important components of your auto insurance policy. It protects you financially if you cause an accident that injures someone else.
What It Covers
If you're at fault in an accident, bodily injury coverage helps pay for:
- Medical expenses of injured parties
- Hospital bills and surgeries
- Rehabilitation costs
- Lost wages of injured parties
- Pain and suffering settlements
- Legal defense costs if you're sued
- Court judgments against you
Who Is Covered
- Other drivers injured in an accident you cause
- Passengers in other vehicles
- Pedestrians
- Cyclists
Coverage Limits Explained
Bodily injury limits are typically shown as two numbers (e.g., 50/100):
- First number: Maximum per person ($50,000)
- Second number: Maximum per accident ($100,000)
Example: With 50/100 coverage:
- Maximum $50,000 for any one person's injuries
- Maximum $100,000 total for all injuries in one accident
State Requirements
Every state requires a minimum amount of bodily injury coverage. However, state minimums are often too low to fully protect your assets. We recommend coverage that protects your full financial situation.
Choosing Your Limits
Consider:
- Your personal assets (home, savings, investments)
- Your income level
- State requirements
- Your risk tolerance
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