An Insurance Policy with Bodily Injury Coverage Covers?

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Insurance Q&A: “An insurance policy with bodily injury coverage covers?”

Every year we plunk down our hard earned money to buy car insurance. In my experience, most of us aren’t completely aware of what we’re buying, rather just taking someone’s (or something’s: see the GEICO Lizard) word we’re covered.

Your auto insurance policy is broken down into a few basic types of coverage by limits. For example, you may see 100/300/100 listed on your policy. (Learn more about these liability limits.)

First is liability coverage. “Liability only” auto insurance is mandatory in many states. This ensures you have a state minimum amount of insurance in the event you injure someone or damage his or her property.

Included in liability coverage is bodily injury, or “BI” coverage. An insurance policy with bodily injury coverage covers more than you might think. In addition to bodily harm, BI covers sickness, disease and even death resulting from an accident you are found to be liable for.

This may occur if there are complications from necessary surgeries as a result of the accident, or any necessary care the injured party may require as a result of the bodily injury. Sickness and disease are mentioned to make sure to encompass damages that might result after the initial accident occurs.

Finally, expenses related to death are covered as well. These include funeral and burial expenses incurred by others. If you cause an accident and someone else is injured in any manner, your insurance is responsible for getting him or her back to health.

Also included in liability coverage is property damage. You may cause an accident in which no one is injured, but property damage has occurred. Perhaps you back into an unoccupied vehicle in a grocery store parking lot. Your liability property damage coverage would pay for the damages.

Physical damage is another basic type of coverage on your auto insurance policy. This is not to be confused with property damage discussed above. Physical damage is coverage for damage to your own vehicle. It is possible to purchase car insurance without this coverage.

You may be able to purchase personal injury protection (PIP), medical payments coverage or uninsured motorist and underinsured motorist coverage, depending on which state you reside in.

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