What is Bodily Injury Liability?

Bodily injury liability (BIL) is one of the two primary components of automotive liability insurance. It's used in instances when you're at fault in an accident that causes injury or harm to another person or driver. It's a necessary and mandatory requirement in most states.

What Does it Cover?

BIL insurance covers damages, including medical and psychological bills, to another person or driver in an accident in which you are found liable. It also covers your legal expenses if someone you injure files a lawsuit.

Coverage can include any of the following:

  • Medical bills resulting from an accident
  • Pain and suffering
  • Legal bills for a lawsuit filed against you
  • Funeral costs
  • Nursing care and/or rehabilitation
  • Lost income due to injury or personal suffering

This list is only partial and bodily injury liability coverage can change on a case-by-case basis. This coverage often prevents you from paying out-of-pocket for another person’s injuries, whether the wreck was your fault or not.

How Much Does it Cost?

The cost of bodily injury liability depends on the amount of coverage you choose, or are required to have. The maximum amount of BIL insurance you choose is called a limit and can be split into two separate amounts or one combined single limit (CSL).

A combined single limit denotes the total amount of money available to use toward both your bodily injury liability and property damage liability. With CSLs, there is no limit to the amount paid out per person. If you have a CSL of $500,000, the full amount can go toward covering a person’s medical expenses if there’s no damage to their vehicle, or vice versa.

A split limit separates the maximum amount available into two smaller numbers, one denoting a maximum amount paid out per person and the other is the maximum amount for injuries in total. For instance, a $10,000/$20,000 limit allows for a maximum of $10,000 to be paid per injured person and a maximum of $20,000 paid for all injuries together.

Bodily injury liability (BIL) is one of the two primary components of automotive liability insurance.

Who Needs It?

Everyone needs to have bodily injury insurance if they own a car. In fact, every state has some form of liability insurance requirement. The specific amount you’re required to hold varies by state.

When purchasing bodily injury liability insurance you must take into account the value of your assets. They will be used to pay the remaining costs of what your insurance does not cover.

Bodily injury insurance is one of, if not the most, important car insurance types you can have. Having it can prevent you from losing all of your assets in the event of an accident in which you’re at fault, and helps protect you and your family from losing your home. To find out more about BIL insurance, call and speak with us today.

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