Is bodily injury liability insurance required?

Bodily Injury is liability coverage that's required by law in nearly every state, so chances are you'll need it. States that require BI coverage have mandatory minimum limits on the amount of insurance you must have and these can range from $10,000 to $50,000, depending on the state. For example, in Kentucky, New York, and several other states, a driver is required to have a minimum of $25,000 bodily injury liability per person and $50,000 bodily injury liability per accident.

Bodily injury coverage can pay for medical treatment and other expenses for people injured in an accident where you are at fault. Some of the expenses that bodily injury might cover include:

  • Medical bills like emergency room and hospital fees
  • Funeral expenses like burial or cremation
  • Legal fees in the event of a civil lawsuit
  • Loss of income due to missed work

How much is a bodily injury deductible?

Bodily injury coverage doesn't have a deductible, so you won't have to pay expenses out of pocket. However, the insurance company is not responsible for anything that exceeds the limits on the policy, so you may end up being responsible for paying any difference.

How much bodily injury insurance coverage do I need?

It's a good idea to carry as much bodily injury liability coverage as you can comfortably afford. Because insurance companies do not cover bodily injury costs above the policy limit, you could be facing a lawsuit to cover additional costs. Most experts agree that a good rule is to have a bodily injury coverage limit at least as high as your net worth.

Is Personal Injury Protection required?

Whether personal injury protection coverage is required, or offered, depends on where you live. In no-fault states, drivers involved in an accident use their own PIP coverage to cover some or all of their own medical expenses regardless of who caused the accident. Additionally, there are restrictions on when you can bring a lawsuit for expenses against another driver in a no-fault state.

Looking to find out how PIP coverage works in your state? Call a licensed rep at 1-866-749-7436 and they'll help you choose the right car insurance coverage level for you. Or get a car insurance quote online, and we'll show you all your options.

What expenses are covered by PIP insurance?

Personal injury protection generally covers medical and other associated expenses for you and any passengers in your car if you're in an accident. Expenses covered by PIP vary by state. Some of those expenses may include:

  • Medical expenses like ambulance service and hospital bills
  • Lost income if you miss work because of your injuries
  • Domestic expenses like lawn care and house cleaning if you can't do them because of your injuries
  • Disability or rehab costs
  • Death benefits, which are paid to your family

It's a good idea to consider PIP coverage where it's available. You might have excellent health insurance, but you may have a high deductible, which PIP could cover in the event of an accident. PIP can also cover lost wages if you're injured, which is typically not covered by health insurance.