The most common claims that are filed
under bodily injury liability coverage include claims of pain and suffering, losses of income, and medical expenses.
The injuries to the other driver could be claimed
under your bodily injury liability coverage and your own injuries would be covered under personal injury protection (PIP) or medical payments (MedPay).
If you are injured by the negligence of a defendant, we will make a claim
under the bodily injury liability coverage of the negligent defendant's insurance policy.
Not exact matches
While spiritual creatures from other realms are not a covered peril for personal property, we expect that if a poltergeist somehow forced you to take a specific action which resulted in
bodily injury or property damage to another person, you could well have
coverage under the
liability section of your Erie, PA renters insurance policy.
If you physically harm another person with your vehicle, it would fall
under your auto insurance policy's
bodily injury liability coverage.
Bodily injury liability: This
coverage is mandatory
under NV state law.
Under § 627.727, it states that no motor vehicle
liability insurance policy which provides
bodily injury liability coverage shall be issued or delivered in Florida unless the uninsured motor vehicle
coverage is provided.
Under the standard plan the following amounts of
liability coverages are required before you can get your vehicle; fifteen thousand dollars worth of
bodily injury coverage for one person in an accident, thirty thousand dollars worth of
bodily injury coverage for two or more people in an accident, and five thousand dollars worth of property damage
coverage.
Common Exclusions: No
coverage for (1)
bodily injury / death when you are using your vehicle to carry persons or property (including magazines, newspapers, food) for compensation or a fee; (2)
liability assumed
under a contract; (3)
bodily injury / death to an employee; (4)
bodily injury / death caused by an intentional act; (5) property owned by, rented to, or in the charge of an insured person; (6)
bodily injury / death to you or relative; (7)
bodily injury / death or property damage resulting from a relative's use of a vehicle, other than a covered vehicle, owned by a person who resides with you; or (8)
bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle.
Under this plan, the minimum
coverage requirement is $ 50,000 per person up to $ 100,000 per accident of
bodily injury liability as well as $ 15,000 of property damage protection.
Under the minimum
coverage,
bodily injury liability will pay up to $ 25,000 for one individual and up to $ 50,000 for
injuries to all people concerned in the accident.
A combined single limit combines property damage
liability coverage and
bodily injury coverage under one single combined limit.
The limits of such uninsured motorist
bodily injury coverage shall be equal to the highest limits of
bodily injury liability coverage for any one vehicle insured
under the policy; provided, however, that (i) the limits shall not exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident regardless of whether the highest limits of
bodily injury liability coverage for any one vehicle insured
under the policy exceed those limits and (ii) a named insured may purchase greater or lesser limits, except that the limits shall not be less than the
bodily injury liability limits required pursuant to subdivision (2) of this subsection, and in no event shall an insurer be required by this subdivision to sell uninsured motorist
bodily injury coverage at limits that exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident.
For the purpose of this section, an «uninsured motor vehicle» shall be a motor vehicle as to which there is no
bodily injury liability insurance and property damage
liability insurance in at least the amounts specified in subsection (c) of G.S. 20 - 279.5, or there is that insurance but the insurance company writing the insurance denies
coverage thereunder, or has become bankrupt, or there is no bond or deposit of money or securities as provided in G.S. 20 - 279.24 or 20 - 279.25 in lieu of the
bodily injury and property damage
liability insurance, or the owner of the motor vehicle has not qualified as a self - insurer
under the provisions of G.S. 20 - 279.33, or a vehicle that is not subject to the provisions of the Motor Vehicle Safety and Financial Responsibility Act; but the term «uninsured motor vehicle» shall not include:
An «uninsured motor vehicle,» as described in subdivision (3) of this subsection, includes an «underinsured highway vehicle,» which means a highway vehicle with respect to the ownership, maintenance, or use of which, the sum of the limits of
liability under all
bodily injury liability bonds and insurance policies applicable at the time of the accident is less than the applicable limits of underinsured motorist
coverage for the vehicle involved in the accident and insured
under the owner's policy.
(4) The named insured's underinsured motorist
bodily injury coverage limits, if applicable, shall be equal to the highest limits of
bodily injury liability coverage for any one vehicle insured
under the policy unless the insured elects to purchase greater or lesser limits for underinsured motorist
bodily injury coverage.
For purposes of an underinsured motorist claim asserted by a person injured in an accident where more than one person is injured, a highway vehicle will also be an «underinsured highway vehicle» if the total amount actually paid to that person
under all
bodily injury liability bonds and insurance policies applicable at the time of the accident is less than the applicable limits of underinsured motorist
coverage for the vehicle involved in the accident and insured
under the owner's policy.
Any motor vehicle
liability policy that insures both commercial motor vehicles as defined in G.S. 20 - 4.01 (3d) and noncommercial motor vehicles shall provide underinsured motorist
coverage in accordance with the provisions of this subsection in an amount equal to the highest limits of
bodily injury liability coverage for any one noncommercial motor vehicle insured
under the policy, subject to the right of the insured to purchase greater or lesser underinsured motorist
bodily injury liability coverage limits as set forth in this subsection.
Basic
coverage under New Mexico state law includes
bodily injury liability of $ 25,000 per injured person up to $ 50,000 per accident as well as $ 10,000 of property damage protection.
The limits of such underinsured motorist
bodily injury coverage shall be equal to the highest limits of
bodily injury liability coverage for any one vehicle insured
under the policy; provided, however, that (i) the limits shall not exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident regardless of whether the highest limits of
bodily injury liability coverage for any one vehicle insured
under the policy exceed those limits, (ii) a named insured may purchase greater or lesser limits, except that the limits shall exceed the
bodily injury liability limits required pursuant to subdivision (2) of this subsection, and in no event shall an insurer be required by this subdivision to sell underinsured motorist
bodily injury coverage at limits that exceed one million dollars ($ 1,000,000) per person and one million dollars ($ 1,000,000) per accident, and (iii) the limits shall be equal to the limits of uninsured motorist
bodily injury coverage purchased pursuant to subdivision (3) of this subsection.
Under Delaware's SB 61, an underinsured car is defined as a vehicle «for which there may be
bodily injury liability coverage in effect, but the limits of
bodily injury liability coverage... applicable at the time of the accident are less than the damages sustained by the insured.»
Bodily injury auto
coverage typically is
under the umbrella of
liability auto
coverage.
For any
bodily injury or property damage caused during an accident, if it is due to other driver's negligence then you can claim
under the other driver's car insurance policy, where the automobile insurance policy provides
coverage for each person involved in the accident and hence a
liability coverage.
Commercial car insurance policies offer many of the same
coverages as the typical personal auto policy, such as
bodily injury and property damage
liability, uninsured and
under - insured motorist, collision and comprehensive and medical expenses.
Combined single limit combines property damage
liability coverage and
bodily injury coverage under one single combined limit.
Under a standard policy, Linden drivers will need to purchase
bodily injury liability with a $ 15,000 limit per person and a $ 30,000 limit per accident, property damage
liability with a $ 5,000 limit, uninsured motorist
coverage with a $ 15,000 limit per person and a $ 30,000 limit per accident, uninsured motorist property damage with a $ 5,000 limit and personal
injury protection with a $ 15,000 limit.
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.
The tables below contain results for hundreds of passenger vehicles grouped by class and size
under six insurance
coverages: collision, property damage
liability, comprehensive, personal
injury protection, medical payment and
bodily injury.
Under the state of Connecticut, you will need to purchase at least the basic
coverage which includes both
bodily injury liability and property damage protection.
While spiritual creatures from other realms are not a covered peril for personal property, we expect that if a poltergeist somehow forced you to take a specific action which resulted in
bodily injury or property damage to another person, you could well have
coverage under the
liability section of your Erie, PA renters insurance policy.
Under Illinois law, your Waukegan insurance policy for your vehicle should provide at least $ 20,000 per person / $ 40,000 per accident
bodily injury coverage; $ 15,000 per accident property damage
liability coverage; and $ 20,000 per person / $ 40,000 per accident uninsured motorist
bodily injury coverage.
If you are driving a vehicle that is still
under finance, it is recommended, and sometimes required, that you purchase additional
coverage on top of the
bodily injury liability and property damage
liability that the majority of states require.
The minimum
liability coverage prescribed
under the laws of Michigan is $ 20,000.00 for
bodily injury per person involved in the accident and $ 10,000.00 for property damages.
The Highway Loss Data Institute (HLDI), an organization dedicated to provide auto insurance loss statistics and studies, provide regular reports about losses
under six insurance
Coverages namely collision, property damage, medical, personal
injury protection (PIP),
bodily injury liability, and comprehensive.
This report examines the frequency, severity and loss costs associated with auto
injury insurance claims
under bodily injury liability and personal
injury protection
coverages, from 1990 to 2013.