Bodily Injury Liability Insurance Explained! | Car Insurance 101

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Everyone who drives a vehicle needs bodily injury liability insurance to protect them if their vehicles cause an injury or death to another person.

As part of your bodily injury liability insurance, bodily injury coverage not only protects you from paying for these expenses out of pocket, but also pays for your legal defense if you are sued as a result of your involvement in an accident.

Each state specifies the minimum requirements for bodily injury liability and lists the coverage limits, using a series of numbers like 25/50. The first number indicates the maximum amount of money the insurance company pays for one person injured in an accident, after subtracting the policy deductible. The second number is the total amount of money the insurance company pays for the entire accident.

As a general rule of thumb, you can determine the absolute maximum bodily injury liability coverage you would need by figuring out your net worth. That’s just the value of all the cash you have and things you own, minus your debt.

I hope this information helps and if you have any questions on bodily injury liability insurance, reach out to one of our expert agents 7 days a week on our app.

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