What does auto liability bodily injury cover?

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Asked July 27, 2010

1 Answer


Bodily injury auto liability serves 2 purposes: It covers the costs of injuries to other people than yourself in an accident, and protects you against possible lawsuits arising out of the incident. It is important to note that bodily injury liability does not cover you, but it will cover other passengers in your vehicle when the accident happens.

Bodily injury liability is usually described as split coverage, such as $25,000/$50,000. The first number is the maximum amount that will pay out to one injured person, and the second number is the total payout the insurance company will make on bodily injuries in a single incident. For instance, 5 people sustain injuries in an accident. The insurance split listed above covers 1 person for up to $25,000, but it will not pay more than $50,000 for all 5 injured people combined.

You can be sued even if the accident was not your fault. Auto liability insurance takes the burden of lawsuits off your shoulders to a large degree. Without liability insurance, you would be responsible for the costs related to a lawsuit and those fees can be rather large. Because of that, it is often a good idea to have more liability coverage than what is required by law. The more you are worth, the more insurance you should secure, because lawsuits will target your value, not just the basic costs of the suit. Many people who earn more than $100,000 choose to purchase an umbrella policy that increases their liability protection over the amount of their regular insurance and is applied to all types of liability claims, not just car-related incidents.

Answered July 27, 2010 by Anonymous

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