Bodily Injury Liability Coverage
Bodily Injury Liability Coverage helps protect you financially if you (or someone on your policy) cause a car accident that injures another person or persons. If you are liable for injury to another person as a result of a car accident, your Bodily Injury Liability Coverage will help pay for their medical expenses and, if needed, help pay for your legal services.
Bodily Injury Liability Coverage will not help pay for your medical expenses. If you’re worried about paying for your own medical expenses in the event of a car accident, learn more about Medical Payments Auto Coverage.
How to Choose Bodily Injury Liability Coverage
Bodily Injury Liability Coverage is part of most states’ minimum car insurance requirements. With Bodily Injury Liability Coverage, you can select what are called “limits." These limits determine the greatest amount of money your car insurance company will pay in the event that you need to use your coverage.
Limits are represented as two numbers. For example, you could choose Bodily Injury Liability Coverage with a minimum limit of $10,000/$20,000. The first amount ($10,000) covers the injury or death of any one person in a single accident. The second amount ($20,000) covers the injury or death of more than one person in a single accident.
Who Needs Bodily Injury Liability Protection?
Since Bodily Injury Liability is required by law in most states, you’ll want to find out what your state’s minimum car insurance requirements are and also consider your individual circumstances, including your budget. Check your state's car insurance laws and see how much Bodily Injury Coverage is required in your state.
Example of Bodily Injury Liability Protection
Potential real life scenario: You're driving down the road and rear-end the car in front of you. No one was seriously injured, but the driver of the other car is complaining of wrist pain and the passenger has a cut on his forehead. An ambulance takes the driver and his passenger to the emergency room, where they are treated and released. The police issue you a citation for Failure to Maintain Proper Distance between Vehicles--Following Too Close. Depending on the amount you select for your Bodily Injury Liability limit, your insurance would pay for the ambulance fee, the other driver's x-ray, the passenger's stitches, and other related expenses.
Bodily Injury Liability Coverage for Commercial Vehicles
If you use your vehicle or truck to do activities related to your occupation or business (other than commuting), or if you own a fleet of vehicles you use for business purposes, you may need a commercial auto insurance policy that includes Bodily Injury Liability Coverage.
Like Bodily Injury Liability Coverage on your personal auto policy, a minimum amount of commercial auto liability insurance is required in most states, however, commercial auto policies tend to have higher liability limits than personal auto policies.
Call 1-877-GO-DIRECT to learn more about Bodily Injury Liability Coverage and commercial auto insurance policies.
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Commercial auto insurance produced by Right Choice Insurance Agency, Inc. and Direct General Insurance Agency, Inc. d/b/a Direct Auto Insurance as agents for Titan Indemnity Company, a Nationwide Insurance Company and its affiliates. Not available in all stores. Pay plans, discounts and coverages subject to terms and conditions.