The Basics of Bodily Injury Liability Coverage

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Bodily injury liability coverage helps protect you in the event of injuries caused to others in an accident that is your fault. Understanding this coverage is crucial to ensure adequate protection and compliance with legal requirements.

Bodily injury liability coverage typically consists of per-person and per-accident limits. The per-person limit specifies the maximum amount your insurance company will pay for injuries to a single individual involved in an accident. The per-accident limit sets the maximum amount your insurance company will pay for injuries to multiple individuals in a single accident.

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With this coverage, your automotive insurance provider can help pay for medical expenses, rehabilitation costs, pain and suffering, lost wages, and even legal expenses if you get sued due to the accident. It provides financial protection and can help prevent you from facing significant out-of-pocket expenses or lawsuits that could jeopardize your financial well-being.

It’s important to select adequate limits for bodily injury liability coverage based on your assets, income, and potential liability exposure. While each state has its minimum requirements, it is often advisable to consider higher limits to ensure you are adequately protected.

You must have bodily injury liability coverage. Understanding the per-person and per-accident limits, and selecting appropriate coverage levels, can help ensure you have adequate financial protection and comply with legal requirements. Consult with your automotive insurance provider to assess your specific needs and obtain the right coverage for your situation.


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