Does Liability Auto Insurance Cover Bodily Injury?
When you own a car, you need to purchase an auto insurance policy that includes liability coverage. Liability auto insurance coverage provides for damages that you cause to others on the road. Liability auto insurance also covers property damage that is caused by the insured driver's negligence in a motor vehicle accident.
Bodily injury is part of your liability auto insurance. Here's what you should know about bodily injury and your policy.
What Is Bodily Injury?
Bodily injury, or BI, is a type of liability coverage that pays for medical expenses and other costs related to an individual's injuries that you cause in an accident. You can choose how much bodily injury coverage you pay for as part of your premium.
Bodily Injury Policies Cover a Lot of Damage
Bodily injury can include medical costs, lost wages, and pain and suffering. It may also include funeral expenses and lost wages, depending on the specifics of your policy.
This coverage extends not only to passengers or other drivers but also to pedestrians who are injured or killed in an accident involving the insured person's vehicle.
Your Liability Auto Policy May Not Cover Everything
It is important to understand the limits of liability coverage because if the cost of damage exceeds the policy limits, you may be liable for the difference out-of-pocket.
If your liability policy does not cover all the expenses, another party could pursue a legal claim against you. It is important to understand the costs associated with bodily injury claims and how they affect your coverage.
Enhance Your Liability Coverage
You can also buy additional coverage to supplement your liability coverage, such as personal injury protection (PIP). PIP pays out regardless of who is at fault in an accident and covers medical expenses, lost wages, and even funeral costs.
It is important to make sure you have enough coverage to protect yourself in the event of an accident. Knowing what your liability auto policy covers and any additional coverage you might want to consider can help keep you safe on the road.
Contact an Auto Insurance Professional
Although liability auto insurance is a necessary expense, it can provide peace of mind and financial protection in the event of an accident. If you're not sure what kind of insurance you need or how much liability coverage you'll benefit from, it's time to talk to a professional.
A qualified auto insurance professional can assess your needs and help you find the best coverage for your situation. For more information on auto liability insurance, contact a company near you.