In some no -
fault states Bodily Injury insurance is limited — typically just paying for serious injury or death because your own personal injury protection (PIP) would be used for less serious injuries.
Not exact matches
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.
If you have health insurance and don't live in a
state with no -
fault insurance, you may not need to buy uninsured motorist
bodily injury coverage.
If the at -
fault driver of the vehicle is known and you do not live in a no -
fault state, you can put a claim instead through his
bodily injury liability coverage.
The
state requires every driver to carry liability coverage on property damages and
bodily injuries if they are the at
fault party in a car accident.
The
state of North Dakota follows a no -
fault system and requires each driver to have $ 25,000 per person and up to $ 50,000 per accident in
bodily injury liability and up to $ 25,000 in property damage liability insurance.
These
states still require at -
fault drivers to pay for any
bodily injury and property damage.
Virtually every
state that has «at -
fault» insurance requires that drivers have
Bodily Injury Liability insurance coverage, with the minimum amounts typically ranging from $ 5,000 / $ 10,000 up to $ 30,000 / $ 60,000 depending on the
state.
Basically, anything that would otherwise be covered under
bodily injury liability insurance — a type of car insurance in
states without no
fault laws — is covered under PIP.
Although the amounts vary from
state to
state, they all serve the same intended purpose: To financially protect other drivers against
bodily injury and property damage incurred in an accident for which they are not at
fault.
Drivers in the Empire
State who carry automobile policies will have their
bodily injury liability, property damage liability, and no -
fault coverage transfer over to the rental vehicle.
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.
In many
states, your automotive insurance — specifically,
bodily injury liability — will pay for your losses due to the
fault of the other driver.
Protects policyholders and their family or passengers for
bodily injury as a result of an accident occurring in New York
state in which the person at
fault was uninsured or a hit - and - run accident.
It is mandated that all auto insurance policies in the
state of New York have at -
fault liability of no less that $ 25,000 per person, $ 50,000 total for an accident for
bodily injury, and $ 10,000 in property damage.
If your limits are reached, you can claim against the at -
fault driver's
bodily injury liability coverage if you live in a tort
state.
Legally required for drivers in almost every
state, Liability coverage includes
Bodily Injury and Property Damage coverage, which pay for someone's medical expenses, personal injuries, and property damage if you're at -
fault.
If you were injured in a no -
fault state, you would use your own PIP coverage, instead of making a
bodily injury claim through the at -
fault party's insurance, and your right to sue the at -
fault driver for your injuries is limited.
If the accident as someone else's
fault and you're in a tort
state, then you can place a claim through the at -
fault party's
bodily injury liability coverage or place a lawsuit against the other party so that your remaining medical expenses can be paid.
PIP, is the coverage that drivers must use for injuries in no -
fault states, instead of placing a
bodily injury claim against the at -
fault party.
Bodily injury liability (BI or BIL) coverage is required in most
states but some, such as the no -
fault state of Florida, do not require it.
In no -
fault states, drivers are required to purchase personal injury protection (PIP) in addition to the standard
bodily injury and property damage liability coverage.
The minimum insurance coverage you need to carry to drive legally in the Beehive
State consists of
bodily injury, property damage — together referred to as the liability insurance — as well as personal injury protection coverage, also known as no -
fault insurance.
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].
NC
state law mandates that you carry at least $ 30,000 for
bodily injury liability for one person in an accident and at least $ 60,000 for all persons injured in an accident that's your
fault.
Insurance types included in the data collected include
bodily injury and property damage liability coverage (including no -
fault coverage which is mandated in some
states), uninsured / underinsured motorist coverage, medical coverage, and collision and comprehensive coverage [5].
If this coverage is optional in your
state and you choose to go without, then you may be left to pay personally for medical expenses arising from accident caused by an underinsured motorist, unless the at -
fault driver has the money to pay for your medical expenses that exceeded their
bodily injury liability limits.