What is ” Bodily Injury Liability” insurance?
Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause an accident involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else’s vehicle. It may also cover others who drive your automobile with your permission. This coverage also provides you with legal defense in the event you are sued by the injured party.
Bodily Injury Liability, also known as BI coverage, is insurance intended to protect you against claims brought against you by other people that may have suffered bodily injuries or death as a result of your negligence or for which you are responsible. BI coverage also provides for a legal defense in the event of lawsuit against you. Claims for bodily injury include medical bills, pain and suffering, permanent injury, loss of consortium, and loss of income, loss of enjoyment of life, and out of pocket expenses such as travel costs for medical care. Bodily Injury Liability does NOT cover you or other people on your policy. Bodily injury liability coverage is not mandatory in Florida, but is mandatory in many states.
