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What is Bodily Injury Liability?

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What is Bodily Injury Liability?

What is Bodily Injury Liability?

What is Bodily Injury Liability?

Bodily injury liability insurance provides coverage in case you cause an accident where other people are hurt. The insurance will cover medical bills, lost income, and damage that you’re liable for, and provide legal defense in the case that someone sues you.

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Bodily injury liability insurance is typically shown like this: $100,000/$300,000. Meaning that your insurance would cover up to $100,000 in medical bills for one person in an accident, and up to $300,000 more than one person.

When choosing how much coverage you need, consider all of your assets including your home and future earnings. Unfortunately, those assets could be at risk if you’re liable for damages that exceed your coverage limit.

Is Bodily Injury Liability Required?

Bodily injury liability insurance is mandatory in almost every state, and most state have minimum coverage requirements. You can check your state’s requirements here.

Besides the fact that bodily liability insurance is mandatory, it also gives you peace of mind. As far as auto insurance goes, this might be the most important. There’s nothing more critical than making sure people who are hurt in car accidents get the care they need, and medical bills can get out of control quickly. Protect yourself, your family, and your assets by making sure you have enough coverage for a worst-case scenario.

Here is an in-depth demonstration of how bodily injury insurance works, from Virtual Insurance Advisor:

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