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What does bodily injury coverage pay for?
If you are at fault in an accident, bodily injury liability insurance will cover any injuries you cause to another driver. It covers medical expenses, missed pay, and, in some cases, even burial expenses.
The medical costs of any injuries you may sustain in the accident are not covered by bodily injury. Since you are the “first party,” and only other drivers and passengers are covered, it is referred to as “third-party” insurance.
What is covered under bodily injury coverage
The kinds of costs that a third party may assert against your liability insurance for bodily injury cover include:
Medical expenses: For the hospitalization, subsequent care, and related medical or health care of the other party.
Lost wages: Your bodily injury liability coverage will reimburse the injured party’s lost wages if they were unable to work as a result of their catastrophic injuries. This sum will depend on how long they are out of work as a result of the accident, and it is subject to different restrictions depending on where you live.
Lawful costs: Only in this case will bodily injury cover your costs rather than the other party. If you are sued by the other person, your insurer will typically defend you in court, and this is covered by your own bodily injury insurance.
Expenses related to funerals and burials are covered if someone is killed in the collision.
How to understand bodily injury liability limits
For instance, your bodily injury coverage is described as “25/50/25”. The physical injury coverage limitations are represented by the first two numbers in the three-number format, while the property damage coverage, a different type of coverage, is represented by the third number.
The first figure represents the entire amount of coverage, while the second number is the amount of coverage for one accident-related person. In other words, if you receive a bodily injury quote with a 25/50 limit, it means that the insurance policy will cover up to a maximum of $25,000 in damages for each person injured in an accident and a maximum of $50,000 in damages for claims resulting from a single incident.
Let’s examine two situations to better grasp how bodily harm accountability works.
It was found that you were at fault for the collision that injured two people in the other car. Person A’s medical expenses totaled $30,000, while Person B’s were $10,000. Your motor insurance coverage will only pay Person A $25,000 and Person B $10,000 even though the combined medical costs are less than the $50,000 accident cap. You are liable for the $5,000 remaining on the unpaid claim as a result of Person A’s spending going over the per-person limit.
You caused an accident that injured two individuals. They each made claims for medical expenses reaching $25,000 in total. Because the total claim is $50,000 or less and each claim is under $25,000, the insurance policy will cover these expenses.
A different and less common type of limit that customers can buy is combined single limits (CSL). Unlike the split limit, the CSL has a single limit that applies to the entire disaster and is not constrained by the number of impacted individuals. Due to CSL’s flexibility, this type of limit is more expensive and isn’t offered by all motor insurance companies.
Minimum bodily injury liability requirements by state
You must carry a certain level of coverage as part of your auto insurance according to state regulations. The standard BIL minimum is $25,000 per person, while your state may have a different requirement. Even this coverage is not required in Florida.
The following table shows the minimum bodily injury liability requirements by state:
:
| State | Min. Coverage | State | Min. Coverage |
|---|---|---|---|
| Alabama | $25,000/$50,000 | Montana | $25,000/$50,000 |
| Alaska | $50,000/$100,000 | Nebraska | $25,000/$50,000 |
| Arizona | $15,000/$30,000 | Nevada | $25,000/$50,000 |
| Arkansas | $25,000/$50,000 | New Hampshire | $25,000/$50,000 |
| California | $15,000/$30,000 | New Jersey | $15,000/$30,000 |
| Colorado | $25,000/$50,000 | New Mexico | $25,000/$50,000 |
| Connecticut | $25,000/$50,000 | New York | $25,000/$50,000 |
| Delaware | $25,000/$50,000 | North Carolina | $30,000/$60,000 |
| District of Columbia | $25,000/$50,000 | North Dakota | $25,000/$50,000 |
| Florida | None | Ohio | $25,000/$50,000 |
| Georgia | $25,000/$50,000 | Oklahoma | $25,000/$50,000 |
| Hawaii | $20,000/$40,000 | Oregon | $25,000/$50,000 |
How much does bodily injury liability car insurance cost?
As you get more coverage, bodily injury liability insurance becomes more affordable. The average cost of a Pennsylvania state-mandated minimum coverage policy with bodily injury coverage of $15,000 per person and $30,000 per accident is $532. However, purchasing bodily injury coverage that is over six times as extensive ($100,000/$200,000) only resulted in an 18% rate rise for our average driver, or $627 annually.
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