You might be thinking about what type of insurance coverage includes bodily injury and property damage coverage. The answer is: Bodily Injury Liability Coverage includes bodily injury and property damage coverage.

If you cause a car accident that causes an injury to the other person, bodily injury liability coverage helps pay for their medical expenses and lost income due to their injuries. This covers the legal fees if they take you to court over an automobile accident. Most states require this type of coverage on your policy or else risk being sued yourself in addition to having no protection at all from lawsuits stemming from accidents caused by your carelessness behind the wheel.

What Does Bodily Injury Liability Cover?

If you are at fault for an accident that injures someone else, bodily injury liability coverage may help pay for the following three types of costs:

Medical expenses:

Bodily injury liability insurance is a must-have for anyone who drives, especially if you don’t have health care coverage. It can help offset the cost of someone else’s emergency services and hospital care after an accident that was your fault. This type of insurance may also cover necessary follow-up doctor visits or other associated costs like crutches or wheelchairs.

Compensation for lost wages and income:

If you hit another car and the other driver is injured, they may need months of physical therapy as part of their recovery process. Or perhaps the injured person in an accident loses income or wages because he cannot work or perform his normal functions at a job. Bodily injury liability coverage for your car insurance policy may help you pay for compensation if this happens, even though each state has its laws on how much money someone can receive from lost income due to injuries sustained during an auto collision.

Legal fees:

After a car accident, you could be taken to court by either the injured party or their insurance company. If this happens and they decide to sue you, it may mean that your legal fees will pile up quickly – unless, of course, if you have bodily injury liability coverage on your policy!

How Is bodily Liability Coverage Different From Property Damage Liability Coverage?

Liability coverage has two basic components that are bodily injury liability and property damage coverage. Both coverages are needed by law in most states.

Property damage liability coverage helps you pay for any damages that you cause to another person’s property by your vehicle. For example, if you hit someone else with their car and need repairs on it, this type of insurance may help cover the cost of those repairs. And like bodily injury liability, most of the states require a minimum limit when taking out an auto policy, so don’t forget!

If you’re looking for help understanding your state’s bodily injury liability coverage limits, talk to a local agent. They can customize a policy and choose the proper limit that fits your personal needs!

FAQ’s

What type of insurance covers property damage?

Property damage liability coverage

Property damage insurance helps cover the costs of repairing your vehicle and other people’s property that you accidentally damaged. It is required in most states by law, so it might be a good idea to make sure you have this type of protection on any car or home insurance policy before an accident occurs!

What are bodily injury and property damage insurance?

Bodily injury liability pays for the other driver’s medical bills, lost income and emergency aid if they’re hurt in a car accident. Property damage liability helps pay to fix things like their fence or your damaged property.

What is covered under bodily injury insurance?

Bodily injury liability coverage pays for other drivers’ and passengers’ injuries when the policyholder is at fault in an accident. Bodily injury responsibility can cover medical bills, funeral expenses, lost wages, legal fees, and other related costs to ensure their well-being.

What is covered by property insurance?

Property insurance covers select weather-related afflictions, including damage caused by fire, hail, and more. It also protects against vandalism and theft with coverage for the structure and its contents.