Bodily Injury Liability

This coverage, combined with property damage liability coverage, is the foundation of any auto insurance policy and is required in most states. If bodily injury claims or lawsuits are brought against you and if an investigation or a court finds you to be legally responsible for injuries to persons, your bodily injury liability insurance will pay up to your policy limit for injuries to other people.

Although it varies by state, bodily injury coverage does not generally pay for your own injuries or to your spouse or other family members, especially when they are not in your covered vehicle. Injuries to you, your spouse, and other family members in your vehicle can be protected more completely by medical payments coverage.

There are different limits of bodily injury liability coverage. Different limits of coverage are offered to accommodate various levels of protection. The basic limits that are required in California are $15,000 per person and $30,000 per occurrence. If you are found to be responsible for a serious accident with injuries to several people, or if there is even one serious injury or death, your state’s minimum insurance may not cover you adequately. It is a good idea to consider and purchase higher limits than what your state requires.