Bodily Injury Liability Insurance

There are two types of liability insurance: property and bodily injury liability insurance. Property damage liability pays for damage to property (usually other vehicles), and bodily injury liability insurance coverage pays for the treatment of injuries. Importantly, liability insurance covers damage caused by the at-fault driver, so if you cause the accident your liability insurance will pay for damages to the other drivers. Bodily injury claims cover not only the costs of medical treatment but also cover associated costs like transportation to the hospital and lost wages due to injury. Your bodily injury auto insurance coverage has two different numbers: a limit for payments to take care of each injured person, and a bodily injury liability per accident coverage. This means that your policy may offer $10,000 per person, but if the "per accident" amount is only $50,000 it would only cover the first $50,000 of injuries caused by the accident and the first $10,000 per person. Imagine being the cause of a multi-car pile up and you can see how these limits might be reached. Whatever your auto bodily injury liability insurance coverage does not pay for the injured people can sue you to recover the remainder.

UPDATED: Apr 10, 2023Fact Checked

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Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

UPDATED: Apr 10, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 10, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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