Bodily injury liability insurance
One important coverage commonly required by most states is bodily injury liability coverage. If you, a family member, or someone else you allow to drive your car causes an accident, and there’s an injury to another person, bodily injury liability can help pay for medical bills, lost wages and even pain and suffering. These expenses can add up quickly, depending on the severity of the crash.
Here’s how it works. Let’s say you rear-end another driver. During the crash, the other driver suffers a back injury that requires medical attention. Your bodily injury liability coverage can help pay for these medical bills. If the driver is also out of work, your policy can help reimburse lost wages, too.
Remember, without bodily injury coverage, you could be held responsible for paying these bills out of your own pocket. While most states require only a minimum amount of bodily injury liability coverage, many drivers opt for greater protection by selecting higher liability limits.