Why You Need Adequate Bodily Injury Liability Coverage

Almost every state in the union requires motorists to have minimum levels of bodily injury liability coverage on their auto insurance policy. The reasons for this are sound. If you cause bodily injury or even death from an auto insurance accident you are at fault for, you could be sued for a large amount of money.

Bodily injury coverage pays for medical expenses, long term care, wages lost due to bodily injury, physical therapy and burial expenses. Pain and suffering is compensated under your bodily injury liability coverage as well. Liability relates to people who suffer damages for your actions, which means bodily injury liability auto insurance coverage does not cover your medical bills, property damage or other accident related expenses.

Your state determines your bodily injury liability coverage minimum in most cases. For example, in California liability auto insurance limits are set at 15/30/5. The numbers represent thousands of dollars, with the first two referring to bodily injury liability coverage. The last number deals with property damage.

If you live in California and purchase the minimum level of bodily injury liability, your auto insurance policy will cover up to $15,000 of bodily injury to one person and up to $30,000 of bodily injury liability insurance coverage for all persons involved in the accident. This is the minimum state requirement, but it is always a good idea to purchase more bodily injury liability auto insurance, because you are responsible for any expenses that exceed those amounts. Bodily injury liability coverage that is too low is a great financial risk, and you may be underinsured for an accident. Find affordable auto insurance quotes here at InsuranceQuotesUS.com. This way you can purchase a suitable amount of bodily injury liability coverage and still save money without putting your assets at risk.