Sentences with phrase «bodily liability»
"Bodily liability" refers to being legally responsible or accountable for any physical harm or injury caused to someone. It means that a person or entity can be held legally liable for any bodily harm they may have caused due to their actions or negligence. Full definition
The claims that are most typically filed under bodily liability insurance include claims of pain and suffering, medical expenses, and losses of income.
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Similarly to liability insurance, uninsured motorist protection is divided into two sub categories: uninsured motorist bodily liability and uninsured motorist property damage liability.
To make a long story short, when you consider that Arizona's base required insurance coverages for Bodily Liability and Property Damage are some of the lowest in the nation, it should be enough to give even the most defensive driver reason for pause when shopping for auto insurance in the Grand Canyon State.
Specifically, the Arkansas Department of Insurance mandates that every vehicle in the State of Arkansas is covered by a minimum Bodily Liability coverage of $ 25,000 / $ 50,000, and Property Damage Coverage of $ 25,000.
The amount of Bodily Liability Insurance Coverage may also be different with different insurance carriers and can range between one person per claim coverage to covering everyone injured in an accident.
In a 2008 ADI study of statewide insurance premiums, the Arizona Department of Insurance utilized a policy of $ 100,000 / $ 300,000 in Bodily Liability Coverage, $ 50,000 in Property Damage Coverage, $ 100,000 / $ 300,000 in Underinsured / Uninsured Motorist Coverages, $ 5,000 in Medical Payments Coverage, and Collision Coverage with a $ 500 deductible, as a baseline for determining premiums.
Consider a driver in California, where the law requires a very low minimum of $ 15,000 per person in bodily liability coverage, up to $ 30,000 per accident, and $ 5,000 in property damage liability car insurance.
Known as a Tort State in insurance circles, Alaska requires its residents to cover their vehicles with a minimum Bodily Liability Coverage of $ 50,000 per individual and $ 100,000 per accident, as well as $ 25,000 in Property Damage Coverage.
However, in order to ensure you're financially protected if involved in an accident, we recommend that you consider purchasing bodily liability coverage, property damage liability coverage, uninsured motorist coverage, personal injury protection, comprehensive coverage and collision coverage.
Limited tort drivers will still need to purchase property damage protection and personal injury protection as part of the mandatory requirements but this is often more affordable and less extensive than the standard policy under the tort system which includes the two coverage types as listed above as well as uninsured motorist coverage, bodily liability protection and uninsured motorist property damage.
In fact, according to the insurance giant Allstate, most Alaskans carry Bodily Liability Coverage of $ 100,000 / $ 300,000, with an additional $ 50,000 / $ 100,000 of Uninsured Motorist Coverage tacked on, in the interest of playing it safe.
According to insurance giant Allstate, Colorado drivers carry average coverages of bodily liability at $ 100,000 / $ 300,000, and property damage at $ 50,000.
If you were to injure someone in a car accident, you will need a separate car insurance policy with either bodily liability injury protection or personal injury protection.
The highest state minimum for bodily liability is in Maine and Alaska, which are both $ 50,000 per person and $ 100,000 per incident.
Florida state law requires every driver on the road to carry a mandatory minimum of $ 10,000 / $ 20,000 in bodily liability insurance, and an additional $ 10,000 in property damage coverage.
However, in order to ensure you're financially protected if involved in an accident, we recommend that you consider purchasing bodily liability coverage, property damage liability coverage, uninsured motorist coverage, personal injury protection, comprehensive coverage and collision coverage.
State law also says that Louisiana insurance policies must include uninsured / underinsured motorist bodily liability, unless the policy holder rejects this coverage in writing.
Bodily liability coverage specifically refers to money that is paid to cover the medical bills of someone injured in an accident you cause, and property liability coverage provides money to fix or restore property damaged by an accident you cause.
New York requires minimal amounts of bodily liability insurance, property liability insurance, personal injury protection and uninsured / underinsured motorist insurance, so make sure you purchase these.
If you cause an accident and someone is injured, the bodily liability would cover the costs of treatment for that person.
Liability coverage has three forms of coverage: bodily liability for one person, bodily liability for all people involved, and property liability.
Considering the highway safety statistics mentioned above, for example, the California state required minimum auto insurance coverages of $ 15,000 / $ 30,000 for Bodily Liability, and $ 5,000 for Property Damage Coverage, should give any Californian pause.
Gusner recommends carrying at least 100 / 300/50 in liability coverage, which translates into $ 100,000 per person and $ 300,000 per accident for bodily liability and $ 50,000 for property damage liability.
Therefore it is vitally important to have Bodily Liability Insurance to be protected in court as well.
Utah's bodily liability insurance requirements of $ 25,000 per person ($ 65,000 per accident) and $ 15,000 for property damage are about average compared with those in other states, but families with savings or a home to protect should consider raising those amounts.
The three insurers above had the best car insurance quotes, on average, of $ 1,152 per year for basic coverage of bodily liability and property damage.
Bodily liability: $ 10,000 / 30,000.
There are two sub-types under liability insurance, bodily liability coverage and property liability coverage.
Like most other tort states, Colorado auto insurance requires that you carry minimum amounts of bodily liability and property damage insurance coverages in the following amounts:
For starters, every resident of The Golden State needs to know that the state of California requires by law that every motorist on the road carry minimum auto insurance coverages of $ 15,000 / $ 30,000 for bodily liability (i.e. medical expenses), and $ 5,000 for property damage liability (i.e. damage to other vehicles and / or property).
According to insurance giant Allstate, Floridians are far more likely to opt for an insurance package in the neighborhood of $ 100,000 / $ 300,000 for bodily liability, $ 50,000 in property damage insurance, $ 5,000 in extra medical payments coverage, and uninsured motorist coverage of $ 10,000 / $ 20,000 (not a bad idea, since Florida's uninsured motorist rate is estimated to be around 19 % by the Insurance Research Council).
The Arizona Department of Insurance requires every vehicle driven on Arizona roads to carry minimum insurance coverages of $ 15,000 / $ 30,000 for Bodily Liability, and $ 10,000 for Property Damage.
Your bodily liability coverage pays anytime another person is injured in an accident that is deemed to be your fault.
Liability coverage has three forms of coverage: bodily liability for one person, bodily liability for all people involved, and property liability.
The bodily liability coverage for the entire accident is not even enough for a single persons medical bills.
If you cause an accident and someone is injured, the bodily liability would cover the costs of treatment for that person.
If you cause an accident, your bodily liability coverage will cover injuries to the other people involved in the accident, but this coverage often excludes your spouse.