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Most states require drivers to carry a minimum amount of bodily injury and property damage liability insurance. Bodily Injury Liability typically pays for which of the following in an accident where you are at-fault?
- Your injuries
- The other driver’s injuries
- Injuries to passengers in the other vehicle
- Both #2 and #3
If you answered #4 you are correct!
Bodily Injury Liability helps pay for other people’s medical bills when you cause an accident and your legal defense if you’re sued. It doesn’t cover your own injuries or medical expenses for passengers in your vehicle.
In Virginia the minimum bodily injury liability limits are $25k per person and $50k per accident. Most insurance company line the uninsured motorist and underinsured motorist liability limits up with these same limits.
If another person with state minimum liability caused an accident where you were injured and your medical bills are $100k and you also have state minimum liability, you will have a $50k gap in coverage.
Medical Bills from Car Accident = $100,000
– Insurance Payment from Other Driver’s Insurance Company = $25,000
– Insurance Payment from Your Underinsured Motorist Coverage = $25,000
Balance from Medical Bills You’ll Owe = $50,000
It’s recommended you increase your bodily injury and underinsured/uninsured limits to a greater value. With increased costs of health care and other unforeseen costs, limits of $300,000 per person may be a good starting point.
Connect with us to discuss your auto insurance. We’ll review your current policy and can make recommendations on fully covering you and family.
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Kevin & Heather Perry