UPDATED: Aug 17, 2020
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.
The reason automobile liability coverage is mandatory in practically every state is to make sure all drivers on the road are protected. In all but 12 states, there is always an “at-fault” driver in an accident; and if everyone has liability coverage, then everyone is protected from the financial hardship of recovering after an accident — to an extent, that is.
But if the driver at fault (whether it’s you or the other motorist) doesn’t have enough liability coverage, then what? We’ll answer that question, and more, here in this article. If learning more makes you think twice about your coverage, you can get FREE liability insurance quotes right now.
What Is Bodily Injury Liability Coverage? And Why Do I Need It?
For starters, liability claims can only be made against a driver who was deemed at fault in an accident. So if you accidentally hit someone, and you are deemed legally responsible for the accident, whoever sustained damages from that accident could file a liability claim against you. The same goes vice versa; if someone hits you, and does physical damage to you or anyone else in the vehicle with you, they can have a bodily injury liability claim filed against them.
Liability claims, including bodily injury liability, are usually filed as third-party claims. This means that you are filing a claim to the insurance company which underwrites the policy of the person who was deemed at fault in the accident. As we’ve discussed before, third party claims are some of the hardest to file because it’s in the other insurance company’s best interest to make sure they pay you as little as possible — assuming they don’t flat-out deny your claim in the first place.
In order to have the best success when filing a bodily injury liability claim against the other driver’s insurance company, you will need to have plentiful and detailed documentation of any Hospital costs, medical or health care expenses related to the accident, and lost wages. It should be noted that legal fees incurred by the at-fault driver will be paid for under their policy’s bodily injury liability coverage. Any legal fees you incur as a result of getting the driver or their insurance company to pay should be covered under your policy. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Bodily Injury Liability Has Its Limits — and You Need to Know What Those Are
As you may already know by now, your coverage limit is the maximum dollar amount your insurance company will pay out on a claim. You will be responsible for any amount of money which exceeds that number. So it’s good to have more liability coverage than not, just in case the worst happens. But, like everything else in insurance, the more coverage you buy, the more expensive your monthly premiums will be.