Coverage for Bodily injury

If you happen to be involved in an accident where you are at fault of hurting the other person then your liability insurance is supposed to pay for the damages. Similarly if you are hurt as a result of somebody else's fault then their bodily liability insurance will come into play.

Your bodily liability injury not just protects the party injured but also his passengers (if any) and the passengers in your car (if any). Besides this it also covers the legal costs of defending yourself in court if the other party decides to sue you after an accident.

Do you need bodily injury liability insurance?

If you drive regularly or even almost regularly, you need bodily injury insurance. Most states require you to have a minimum amount of coverage and there are also some states that don't make this insurance mandatory. However, accidents usually don't come with a warning, so if you are a regular driver do get your liability insurance.

Why would you need bodily injury insurance?

The cost of treating someone in hospital can be high. Treatment can be expensive and if you have to bear it out-of-pocket all at once it can be a real burden. An accident can lead to law suits against you. You surely didn't save money for some law suit that might come up against you. Liability insurance not just pays for the liability you have towards others but also for legal suits to protect you. A third party may sue you even if you are not at fault at an accident and BI coverage protects you in any case.

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