This means that a driver must have a minimum of $ 25,000
in bodily injury insurance per party along with $ 50,000 total coverage per accident.
Drivers should consider purchasing more than the state minimum for
bodily injury insurance as it may cost the driver more money down the road in legal fees / court costs.
Uninsured coverage is a form
of bodily injury insurance for the covered driver and the passengers for collisions in which the other driver was at fault but did not carry any liability insurance.
When there is
underlying bodily injury insurance coverage, your insurance company knows they will only pay after the BI (bodily injury) insurance carrier pays, in most cases.
This means you need $ 25,000 worth of personal injury or single bodily injury coverage, $ 50,000 worth of
multiple bodily injury insurance, and $ 10,000 to cover any property damage in your vehicle and any others involved in the accident.
South Dakota requires that you buy uninsured / underinsured
motorist bodily injury insurance to pay your hospital bills if you get hit by a driver with no or inadequate coverage.
Bodily injury insurance covers the cost of injuries and can include medical bills, doctor fees, hospital expenses and other related costs such as lost income and rehabilitation.
More relevant to a personal injury claim is Uninsured / Underinsured Motorist Bodily Injury (UM), which provides additional coverage for injuries suffered by occupants of a vehicle if the responsible driver was uninsured or carried a lesser amount
of bodily injury insurance.
Each number represents a dollar amount in thousands, so the first number in the example would represent $ 25,000 worth of insurance
for bodily injury insurance.
Once your medical treatment has ended and we have all of your medical records, medical bills, proof of lost wages, and documents to support your damages, a settlement demand package will be sent to
the bodily injury insurance company.
If you want the other $ 5,000, but
the bodily injury insurance company says, «You will have file a lawsuit for $ 100,000.
Some states and insurance policies say that if the at - fault person's
bodily injury insurance is more than or equal to your underinsured motorist insurance coverage, then the at - fault person is not underinsured.
«Underinsured Motorist» just acknowledges the at - fault driver had
some bodily injury insurance.
Uninsured / underinsured motorist
bodily injury insurance is designed to help protect you and your auto passengers from the financial costs of injuries if you are hit by someone who does not have insurance or who does not have enough insurance.
What happens if I am in a car accident and I do not have
bodily injury insurance?
One of the major benefits of having PIP insurance instead of
bodily injury insurance is that the drivers don't have to worry about insurance details when making a claim.
While Florida does not make that coverage mandatory, if you were to get sued for excessive medical costs, the other driver can sue against
your bodily injury insurance, rather than you directly.
Uninsured motorist
bodily injury insurance (UM or UMBI) covers you, the insured members of your household (resident relatives) and your passengers for bodily / personal injuries, damages, or death caused by an at - fault driver who doesn't have insurance (uninsured) or, in some states, by a hit - and - run or miss - and - run driver.
Bodily injury liability coverage, sometimes referred to as «
bodily injury insurance,» can protect you financially when you are at fault in an accident that results in physical injury to other people.
The state of Washington has mandatory minimum limits for
bodily injury insurance and property damage liability insurance.
In regard to California auto insurance, the law requires all drivers and vehicle owners to carry a minimum amount of
bodily injury insurance to cover any physical injury they may cause in a motor vehicle accident.
The first two numbers are
bodily injury insurance minimums, and the third is for minimum property damage coverage.
Connecticut residents must carry liability insurance, uninsured motorist
bodily injury insurance and underinsured motorist bodily injury insurance in at least the following amounts:
California drivers must have a minimum of $ 15,000
bodily injury insurance to cover the injuries or death of one person in a single accident.
As of February 2010, Copper State residents were required to carry both property damage insurance ($ 10,000) and
bodily injury insurance ($ 30,000 per accident and $ 15,000 per person).
Georgia drivers are required to have
bodily injury insurance coverage and property damage insurance coverage.