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Compare bodily injury liability coverage
This coverage helps with medical and legal costs if you cause a car accident.
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In most states, you’re required to have liability coverage, including a specific amount of bodily injury liability. Consider purchasing a high limit despite the extra cost to protect your finances and give the person injured a proper settlement.
What's in this guide?
What is bodily injury liability coverage?
If you have bodily injury liability coverage, your insurer will help you pay costs that result from injuries you cause to another person. These may include:
- Immediate medical aid
- Legal help
- Health care
- Funerals
- Pain and suffering
Bodily injury liability coverage doesn’t pay for your own medical costs. For that, you’ll use your own health insurance, medical payments coverage or personal injury protection.
Does injury coverage have a deductible?
Liability coverage usually doesn’t have a deductible. For example, if you injure someone in an accident and your insurance covers the cost of the medical bills, you won’t have to pay out of your pocket.
What does bodily injury liability cover?
This kind of coverage is meant to take care of the other person involved in an accident — particularly if you’re at fault, and you hit them or their vehicle.
It doesn’t cover any of your or your passengers’ injuries, and it doesn’t cover damages to your vehicle either. You may consider adding personal injury protection coverage in case you and your passengers also have medical needs.
Do I need bodily injury liability coverage?
In all states except New Hampshire and Virginia, you’re required to have bodily injury liability. This coverage can prove valuable since medical costs can multiply quickly. Many experts recommend buying at least a 100/300 policy to protect your assets.
What are the requirements for New Hampshire and Virginia?
If you live in New Hampshire, you’re not required to have auto insurance. However, you need to prove you can pay if you cause bodily injury or property damage. The easiest way to do this is by purchasing insurance like in any other state.
It’s not mandatory to have auto insurance in Virginia, either. But like in New Hampshire, you must prove that you can pay for costs stemming from bodily injury or property damage. You can do that by either buying insurance or paying a fee to the DMV.
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How much bodily injury liability do I need?
You need at least the minimum amount of liability coverage required by your state. However, consider buying as much liability as your budget can afford. Many car insurance policies offer limits of 100/300/100 or higher, giving you the widest possible protection.
Keep in mind that if expenses for the other driver’s medical bills and your legal costs go above your liability limits, you could be responsible to pay the rest. In this case, courts can rule to use any assets you might own.
How does injury coverage work?
When you buy liability coverage, you can choose a combined single limit or split limit policy.
Combined single limit
A combined single limit policy is written like this: “$300,000 each accident.”
This means you’re protected for up to $300,000 in the event you cause bodily injury or property damage. If you have to pay for damage to a fence as well as the medical costs of three people, then your policy will cover you, as long as it’s under your policy limit.
Split limit policy
A split limit policy for bodily insurance might be written like this: “100/300.” These numbers are just shorthand for how much your insurance will cover you for:
The first number is the limit per person injured. The “100” means you have $100,000 of coverage. So if one person makes a claim for $90,000 in medical bills, you’re covered. But if that person accumulates bills totaling $150,000, your insurance won’t cover the full amount, and you’ll be left to cover the difference.
The second number is the overall limit per accident. The “300” means you have $300,000 of coverage. The total cost of all claims for an accident needs to stay within that amount. For example, you’re covered if three people make claims for $100,000 each because of an accident you caused. But you’ll have to pay out of your own pocket for anything beyond that.
Injury coverage in action
You have 100/300 in bodily injury liability coverage. This means your insurance will pay claims totaling $100,000 per individual and $300,000 per accident.
While driving along the freeway, you hit the car in front of you and cause a multicar pileup. You’re later found liable for the medical costs of five people, and each bill ranges from $30,000 to $40,000. Luckily your individual limit covers the payments, which total $160,000.
How much does bodily injury insurance cost?
Drivers typically buy liability coverage, which includes property damage liability insurance and bodily injury liability insurance. Expect it to cost between $1,000 and $2,000 a year.
The overall cost of liability coverage will vary depending on your age, where you live and your driving history, among other factors.
How do I buy bodily injury liability coverage?
It’s a standard insurance policy, so nearly all insurers offer bodily injury coverage. Use our insurance comparison tool to shop around at different providers.
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Bottom line
It’s almost certain that you’ll need bodily injury liability — the question is how much. To protect yourself in most instances, consider getting a policy that covers you above your state’s minimums.
Frequently asked questions about bodily injury coverage
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