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Bodily Injury Liability Insurance
When you are buying coverage for your vehicle, you need to know the basics of auto insurance. Not all states have the same laws regarding coverage. You can still get an overview by doing research and talking to your insurance agent. However, bodily injury liability insurance is one item you can't go without. This insurance provides protection for the person or persons injured in a crash, but not for their car.
If you do happen to get into an accident, authorities on the scene will declare someone at fault. If you are to blame for the accident, you will have to pay for the other person's medical bills. This is where bodily injury liability comes in. If the other driver is at fault, their coverage will pay for the medical expenses. It does not matter if there are a few bumps, bruises, or scratches. If someone requires medical attention, it will be paid for by the insurance of the driver at fault.
Bodily injury liability coverage also encompasses other expenses incurred by the victim or victims of the accident. Any time missed at work, legal representation, rehabilitation, funeral costs, and pain and suffering are included. States requiring bodily liability coverage have limits, such as 50/100. This means the policy will pay for up to $50,000 per person but no more that a total of $100,000. It is a good idea to purchase more, if you can afford it. Expenses your policy does not cover that are accumulated by the victim have to be paid out of pocket. This type of insurance will not cover any injury to yourself or your other passengers.
Liability means responsibility. If you operate a motor vehicle, you need bodily injury liability insurance. We live in a world where the unexpected occurs every day. This includes transportation accidents, even with the most careful of drivers. Make sure your insurance has this vital foundation when talking to an agent. Then decide how much protection you need to purchase. Your age, driving record and the kind of car you drive are factors that will determine your premium. Free online quotes are available now! Shop around from the comfort of your home.