What Does Bodily Injury Insurance Cover?
Medical Coverage While bodily injury insurance pays for medical treatment, injured people usually need to pay their medical expenses upfront. The liability insurance company reimburses them when the claim is settled. Loss of Income If an injured person can’t work, bodily injury insurance covers his loss of income for work missed. Other Compensation Accident victims also get compensation for the pain and suffering they’ve endured as a result of their injuries. If a person dies as a result of the accident, her estate is entitled to compensation, according to carinsurance.com. Mandatory Most states require vehicle owners to carry bodily injury insurance, with minimums varying by state. States that do not require this insurance require motorists to prove they can pay for any accident they cause. Recommended Coverage Insurance experts, such as Insurance Information Institute, recommend carrying more insurance than the state requires to protect your assets and savings.
