Bodily Injury Liability Insurance

What Does Bodily Injury Liability Insurance Mean?

Bodily injury liability insurance provides coverage for losses that result from the policyholder being responsible for an accident that causes bodily injury to another person.

This type of insurance is commonly included in auto insurance policies, and in many states, it is a legal requirement for drivers to carry this coverage. The minimum amount of bodily injury liability required varies from state to state, so drivers shopping for a policy often need to figure out how much liability insurance they actually need to stay both legal and adequately protected.

Insuranceopedia Explains Bodily Injury Liability Insurance

Bodily injury liability insurance can cover expenses such as hospital bills and other costs associated with treating an injury. It may also provide compensation for “pain and suffering,” which refers to the mental and emotional distress caused by experiencing and living with the injury.

Because medical costs in a serious accident can run well past the state minimum, some drivers add higher liability limits or extra coverage on top of a basic policy. If you want a closer look at whether the standard limits will hold up in a real claim, this guide on whether liability car insurance is enough covers the trade-offs.