For example, in Utah, a PIP auto insurance state, drivers have to carry personal injury protection, but they also must
buy bodily injury liability coverage to cover others» injuries in at fault accident situations [2].
In Alabama, every driver must
buy bodily injury liability of at least $ 25,000 per person and $ 50,000 total per accident, as well as $ 25,000 in property damage liability.
If
you buy bodily injury liability coverage, the smallest amount you can buy is $ 10,000 per person (up to $ 20,000 per accident).
If bills exceed that limit, the at - fault driver is legally personally responsible unless he or she has
bought bodily injury liability coverage.
Not exact matches
At the least, you're required by law to
buy a 20/40/10 policy: minimum
bodily injury liability limits of $ 20,000 per injured person, up to a total of $ 40,000 per accident, and property damage
liability coverage of $ 10,000.
The consequences of going without include suspended registration, fines, and possible car impoundment, so you should probably
buy a policy for at least the minimum in coverage:
bodily injury liability of $ 15,000 per person and $ 30,000 per accident, and property damage
liability of $ 5,000.
Policyholders have the option to
buy $ 10,000
bodily injury liability coverage but they can not
buy uninsured, underinsured or collision and comprehensive coverage.
For example, if you
bought a policy with $ 50,000 per person
bodily injury liability coverage, up to $ 100,000 per accident, then you would
buy UM coverage in the same amounts.
Uninsured motorist
bodily injury coverage is usually sold in amounts that mirror the
liability insurance you
bought.
If you choose to
buy liability coverage that is higher than the state minimum of 25/50/25 — a good idea, we think — you no longer have the option of declining uninsured and underinsured motorist
bodily injury coverage.
West Virginia mandates that motorists
buy $ 25,000 worth of
bodily injury liability coverage (up to $ 50,000 per accident) and $ 25,000 worth of property damage
liability coverage as well.
If you
buy insurance, the minimum
liability insurance you can purchase is $ 25,000
bodily injury liability per person ($ 50,000 per accident) and $ 25,000 property damage
liability, plus uninsured / underinsured motorist
bodily injury coverage and $ 1,000 of medical payments coverage (MedPay).
For example, let's say you
buy cheap car insurance in Arizona that offers the minimum coverage required by state law: $ 15,000 per person / $ 30,000 per accident in
bodily injury liability, $ 15,000 per person / $ 30,000 per accident in uninsured and underinsured motorist
bodily injury, and $ 10,000 in property damage
liability.
Policyholders have the option to
buy $ 10,000
bodily injury liability coverage but they can not
buy uninsured, underinsured or collision and comprehensive coverage.
South Carolina not only requires
liability insurance for
bodily injury and property damage (as almost all states do) and uninsured motorist coverage (as many do), it demands its drivers
buy uninsured motorist property damage as well.
Wyoming requires its drivers to
buy at least $ 25,000 of
bodily injury liability per person (up to $ 50,000 per accident) and property damage
liability of $ 20,000 or more.
When a motorist
buys auto insurance, it must include
bodily injury and property damage
liability coverage with minimum limits, but these limits may not be...
West Virginia drivers are also required to
buy the same
liability limits ($ 25,000 for
bodily injury to others, $ 50,000 in per - accident coverage, and $ 25,000 against property damage) of uninsured and underinsured motorist insurance (UMI).
Under Iowa state law, drivers must
buy car insurance policies with minimum
liability limits of $ 20,000 in
bodily injury protection per person, $ 40,000 in coverage per accident, and $ 15,000 insurance to cover the cost of property damage.
Buy this coverage at the same limits as your
bodily -
injury liability coverage.
We strongly recommend
buying bodily injury matching your
liability coverage if you are not covered by health insurance.
You can typically
buy up to $ 300,000 or $ 500,000 of
bodily injury liability insurance in a standard auto policy.
In addition to helping pay for someone else's emergency services and hospital care,
bodily injury liability insurance helps pay for their necessary follow - up doctor visits and other associated costs, like having to
buy crutches or a wheelchair while someone recovers.
Each state sets minimum coverage limits for
bodily injury liability and property damage
liability that drivers must purchase, but you may decide to
buy additional coverage.
Like motorists of other states, a Kentuckian seeking a Kentucky car insurance policy will need to
buy coverage for
liability regarding
bodily injury as well as coverage for property damage
liability.
For example, if you have a brand new high performance speed boat, you will need more coverage for
bodily injury and property damage
liability than if you
buy a pleasure cruiser.