What is Bodily Injury Liability? If you are responsible for a car accident, bodily injury liability coverage pays for the medical costs of the people who are injured (not including yourself). This coverage also helps cover payment for legal defense in the event you are sued for damages.
What's the best bodily injury coverage?
The best liability coverage for most drivers is 100/300/100, which is $100,000 per person, $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability. You want to have full protection if you cause a significant amount of damage in an at-fault accident.
Do I need bodily injury liability in Florida?
Unlike most other states, residents of Florida are not required to have bodily injury liability. Bodily injury liability typically covers the medical expenses of those injured in an accident caused by you. Instead, the PIP coverage kicks in to cover medical costs.
Is PIP the same as bodily injury?
Differences in Types of Coverage Personal injury protection (PIP) insurance coverage includes payment for injury-related medical and rehabilitation expenses, loss of income, and funeral and burial expenses. Bodily injury liability coverage includes payment for any physical injuries that occur in an accident you cause.