Bodily Injury Liability Insurance

Bodily injury liability coverage protects you when you are at fault in an accident against personal injuries to your passengers and other parties.

This type of coverage typically covers costs such as physician and hospital bills, long-term care bills, lost wages, rehabilitation, and more. Bodily injury liability does not cover your own injuries or anyone else named on the policy. For example, if you are driving with two passengers, one of whom is named on your policy, the other who is not, your coverage will only apply to the latter.

Bodily injury coverage is typically required by most states but regardless of whether it is or isn't, if you're in an accident wherein there are injuries and you are found at fault, you will be financially responsible and liable for all associated costs. Keep in mind that this can very quickly spiral beyond your control, especially if the accident is a serious one.

If you are looking for bodily injury coverage for you and the other policy members, you might consider Personal Injury Protection (PIP).