ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

What is Bodily Injury Liability Coverage and Do I Need it?

Updated on July 7, 2014

When it comes to car insurance, it is something that everyone must have. There is no way to get around it. Since car insurance is required in all 50 states, it is important to understand your state’s laws regarding the type of insurance that you must have. The coverage that you must have along with optional coverage options is all part of financial planning strategies in most households. One type of insurance coverage that should be considered is bodily injury liability coverage.

What does Bodily Injury Liability Coverage Protect?

If you are involved in an accident that results in another person being harmed, it will be your responsibility to pay for the hospital care and all medical treatment the individual needs to recover. This is where bodily injury liability coverage comes into play. This part of your car insurance protection will pay for these expenses.

We all know how expensive medical care can be. Imagine being involved in an accident that is found to be your fault and having to pay not only for all of the damages, but all of the medical expenses as well. It is likely that these costs will bankrupt you. For this reason, even if your state does not require bodily injury coverage as part of the state minimum policy, it is still a good idea to have it added to your car insurance coverage.

How Much Bodily Injury Coverage Should I Get?

While most states do require some form of bodily injury coverage, there are states that do not. In addition, many state requirements are very low and are often not enough to fully cover any accident. Imagine that your bodily injury coverage is for $25,000 and you are involved in an accident where an individual is badly injured and has to stay in the hospital for a few days. The $25,000 you have for coverage will not even begin to cover the medical expenses and you will be stuck with the difference plus your deductible.

In order to understand how much coverage you should have, you first need to look at how insurance policies work. Typically, an insurance policy will involve something known as a split limit. This means that there will be a per person limit and a maximum total accident coverage, for example some policies will be $100,000/$300,000, which means that the policy will pay $100,000 for each individual and up to $300,000 total for the accident.

Insurance companies will usually have set recommendations available for you to consider when purchasing a policy. It is likely that you are thinking about the cost of the premiums, but instead you should think about how if you do not have enough coverage, just one accident could financially cripple you for the rest of your life.

The limits set by insurance companies will take into consideration your total net asset value and expected net worth for the future. If you are currently renting your home and have a low income, then you will not need as much coverage, simply because there is not a lot for a lawyer to go after should you be sued after an accident. However, if you own your home and have a fairly high salary, it is important that you maintain enough insurance coverage to make sure that all the things you have worked so hard for are not taken away.

Choosing an Insurance Company

When choosing an insurance company, it is important to compare costs and read reviews about each company that you are considering. Several car insurance comparison websites offer an easy way to compare insurance quotes from several different companies all at one time. In addition, these websites will allow you to compare the coverage that is being offered from each of the different companies.

The most important thing to remember is to make sure that you have the right amount of car insurance to meet your needs. Bodily injury liability protection is extremely important, so make sure that it is part of your new insurance policy.


    0 of 8192 characters used
    Post Comment

    • SpiffyD profile image


      7 years ago from The Caribbean

      Having having minimums seems like a good idea, especially as liability coverage for this purpose has no real limit. However, given the potentially adverse effect on premiums, I can see why some states use a lower minimum. Nice hub though. Voted useful.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)