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What does bodily injury cover?

Bodily injury coverage in insurance, particularly in auto insurance, provides protection for injuries that you, as the policyholder, may cause to others in an at-fault accident. This coverage typically includes various expenses related to injuries sustained by other parties involved in the accident.

Here’s what bodily injury coverage typically covers:

  1. Medical Expenses:

    • Covers the medical costs for injuries sustained by others in the accident, including hospitalization, surgeries, doctor visits, and rehabilitation.

  2. Lost Wages:

    • Provides compensation for the lost income of individuals injured in the accident, helping to cover wages they may miss due to recovery.

  3. Pain and Suffering:

    • Offers compensation for the physical pain and emotional suffering experienced by those injured in the accident.

  4. Legal Fees:

    • Covers the cost of legal representation if a lawsuit is filed against you for the injuries caused in the accident.

  5. Funeral Expenses:

    • If the accident results in a fatality, bodily injury coverage may extend to cover funeral and burial expenses.

It’s important to note that bodily injury coverage typically does not cover injuries sustained by you or your passengers. For your own injuries, you would need to rely on other types of coverage, such as personal injury protection (PIP) or medical payments coverage.

Bodily injury coverage is a crucial component of liability insurance, helping to protect your financial assets and provide compensation to others in the event that you are deemed responsible for causing injuries in an accident. The coverage limits are specified in your insurance policy and are typically expressed as two amounts, such as $100,000 per person and $300,000 per accident (commonly written as 100/300).