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FAQ: Demystifying Auto Insurance Definitions
What is bodily injury coverage?
Bodily injury coverage sounds a bit scary, doesn’t it? We all like to think we’re immune to injury accidents, but unfortunately they’re called “accidents” for a reason. Bodily injury coverage is a very important type of auto insurance coverage. That's because bodily injury coverage helps you pay for an injured person's medical expenses and lost wages if you're at fault in a car accident. Bodily injury coverage can also help protect you in the event of a related lawsuit. If you don’t carry adequate coverage, you could be dealing with quite a few expenses.
Bodily injury coverage is a type of liability coverage. When you’re buying a policy, you’ll be able to choose how much liability coverage to purchase. Covered costs are subject to the limits you choose when you buy your auto insurance policy. We suggest you don’t skimp on your coverage— should you get into an injury accident it could cost you thousands of dollars out of pocket.
Because it's such an important coverage, most states require you to have bodily injury coverage as a part of your auto insurance policy. However, the low limits required in some states are typically not enough to protect you and your household. Even if bodily injury coverage is not required in your area, we urge you to cover yourself.
If you’re unsure about how much auto insurance coverage you should purchase, consult our interactive, auto insurance planning tool, Coverage Counselor. Remember that you should purchase the highest limits you can comfortably afford in order to obtain maximum insurance protection. You’ll be glad you did if you’re ever involved in an injury collision.
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