Bodily injury liability insurance helps to cover the costs of someone else’s medical bills and lost wages as a direct result of an injury you have caused. This coverage can also help to cover your legal fees should you be taken to court over a personal injury. The Bodily Injury Liability Insurance requirement was first put into place in 1982 in California. Today, nearly all states require that you carry this type of insurance. If you do not currently have it, you need to start shopping for it.
Most policies will either require that you carry liability only or combined single limit bodily injury and property damage liability coverage on one policy. Your combined single limit policy would pay for the medical expenses of both parties involved in the injury. Liability is usually required as the only form of financial protection against damages from an accident, but it does not cover you if you are hit by a private party or a vehicle. Also, carrying liability alone does not pay for your own legal fees.
Bodily injury liability insurance can help pay for the medical expenses of people who are hurt in car accidents. It can also help pay for rehabilitation and medical bills for those people who suffer life-changing injuries that stop them from working. Many times the injured party is unable to work, which adds to the financial burden.
In addition to medical costs, Bodily Injury Liability Insurance can pay for lost wages. This might include pain and suffering, which mean that it can cover the cost of treating the person for his or her injuries. If you have a claim for these types of injuries, your insurance company would pay all or some of the medical expenses. It might also pay for your lost wages, depending on what their rules are and what they consider to be a reasonable injury. If your medical bills are more than the combined single limit, then the combined single limit kicks in, providing you with additional income.
What does bodily injury liability insurance cover?
Bodily Injury Liability Insurance also covers property damage and personal injury. These are the two most common claims made under this category, which cover everything related to your accident except property damage. The limit of this type of coverage is usually equal to the combined single limit of the other two categories, but this varies from insurer to insurer. If you have a claim and you do not have enough coverage limits, the insurer might agree to increase these limits for you.
Bodily Injury Liability Insurance helps provide coverage for many things, including legal costs, repair costs, lost wages, and pain and suffering. You may also be eligible to receive additional benefits. Most providers will ask you to provide a letter from your doctor, stating that you suffered a bodily injury in an accident. This will typically require that you sign the written agreement provided by your doctor, but it is helpful to provide such documentation to your insurance provider in case you have any questions about Bodily Injury Liability Coverage. While bodily injury liability cover may help cover some of your costs and losses, it is important to understand exactly what the Bodily Injury Liability Insurance Covers before you decide whether or not it is the best type of insurance for you.