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What is bodily injury liability?

April 26, 2017bodily injury liability

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What is bodily injury liability?

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This is liability coverage extended to people in other cars or pedestrians in the event of a lawsuit you will be covered to the limits on your policy. The state minimum is 25/50, this means twenty five thousand dollars per person/ fifty thousand dollars per accident.

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Bodily injury liability covers you if you are legally responsible for causing injury to the occupants of another car or a pedestrian. The bodily injury liability coverage part of your policy will pay for their medical bills, lost wages, expenses, etc., up to your policy limits. Bodily injury liability will also pay your defense costs against unwarranted legal action.

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for an injury that I cause is 100k per person and 300k per accident. You will need to decide what you are comfortable with, I tend to be a little paranoid, and having been an adjuster for 21 years and seen a lot of stranger than life accidents, I tend to want a lot of coverage ”just in case”.

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Bodily injury liability pays for injury or death of others when the driver of your car is at fault. There can be two limits, the first of which is the amount paid for injuries for any one person’s injuries, and secondly, the total amount for all persons injured in the accident.