What is Bodily Injury Liability Coverage?

Bodily Injury Liability coverage is your insurance in the event that you are responsible for a car crash in which another person was injured. Under this insurance, you and your assets are personally protected even when you are at fault.

When you attain a Bodily Injury Liability insurance policy, you are signing a contract with your insurance company. This contract requires your insurance company to defend you and cover all damages and losses you have caused in a car accident.

Exactly how many damages and losses your insurer will cover is determined by the limits of your liability coverage. When creating your policy, you can buy into however high or low a limit as you see fit; the lower your limit, the less coverage will be available to you when you need it.

Bodily Injury Liability coverage is incredibly important when you are at fault in an accident, but it is even more important when you are not at fault. If you have been injured in an accident caused by another driver, your settlement may hinge on whether that driver has Bodily Injury Liability coverage. Without it, compensation for your damages and medical expenses becomes uncertain.

The importance of Bodily Injury Liability coverage cannot be overstated. Unfortunately, many careless drivers or those who are struggling to make ends meet may opt not to carry sufficient Bodily Injury Liability. Statistics show that too many people are recklessly taking to the road with minimal coverage limits, some without any coverage at all.

Jim Dodson
A Florida injury lawyer, family man and avid cyclist who clients have trusted for over 25 years.