Injury coverage, or bodily injury protection is a type of coverage that may help cover the medical costs incurred of injuring a third party if you are found at fault for a covered accident.
What Is bodily injury coverage?
This type of liability coverage can help pay for injuries you cause to others in a covered accident where you’re at fault. It can include medical expenses, lost wages, pain and suffering, and legal defense costs if the injured party files a lawsuit. This coverage may help soften the blow of financial hardship from potential accident liability expenses.
How does injury coverage work?
When a covered accident occurs and you’re determined to be at fault, bodily injury protection may help cover the injured party’s expenses. For example, if you rear-end another vehicle and the other driver requires medical attention, auto liability coverage may help pay for their hospital bills and/or medical treatment.
Coverage limits
Injury coverage limits are typically expressed as two numbers, such as 25/50 ($25,000/$50,000). The first number represents the maximum payment the insured can be liable for under the policy for medical bills for a covered accident. The second number represents the maximum payment that the insured can be liable for under their policy of combined medical costs and expenses of all injured parties for one covered accident.
What’s not covered
This bodily injury protection doesn’t cover the driver or passengers—it only covers third party injuries. It also typically doesn’t cover damage to vehicles or property, intentional acts, or injuries occurring during criminal activities.
For additional coverage, you’ll need to consider policy add-ons like personal injury protection or medical payments coverage.
Importance of adequate injury coverage
Having sufficient injury coverage is important because medical expenses can quickly add up. A single serious injury can result in costs that greatly exceed the minimum coverage limits. Higher limits and add-on policies can provide a wider network of coverage.
Get injury coverage with Infinity Insurance Agency
Determining the right amount of bodily injury protection requires careful consideration of your assets and risk tolerance. The experienced agents at Infinity Insurance Agency, Inc. can help you select the appropriate coverage limits for your unique needs. An IIA agent can explain your liability insurance options and help you choose the coverage policy that fits your situation.
Call 1-855-478-3705 today to review your auto liability coverage options or get a free quote online. Our team is ready to answer your questions and help you make informed decisions about your auto insurance.