What is Bodily Injury Liability Coverage?
Bodily injury liability coverage is a part of your auto insurance policy that is designed to cover bodily injuries or death caused by the insured to another party. In the case that the other party involved files a lawsuit against you, bodily injury liability coverage can also provide for a legal defense and offer you assistance with loss of income, pain and suffering and medical bills. Bodily injury is only designed to offer liability coverage to people, not to vehicles or assets. If you were to have a serious accident and be involved in a lawsuit, the ultimate goal is to have enough insurance to cover any judgment against you, while protecting your personal assets. Many insurance companies may require equal coverage for all of your vehicles, and a good idea in itself. It is important to remember that bodily injury liability does not cover the insured or others on the insured's policy. Bodily injury liability is mandatory in most states, and according to the terms and conditions of the policy, coverage is limited.
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