Bodily Injury Liability Insurance

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Leslie Kasperowicz
14 Years in the Insurance Industry (CSR & Writer)

UPDATED: Mar 13, 2020

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If you’ve purchased auto insurance or even researched the different policies available, you’ve likely seen that bodily injury liability insurance (BIL) is a part of most auto insurance packages.

Bodily injury liability coverage is a critical part of every auto insurance policy. It’s also legally required in most states. Let’s take a look at this piece of the auto insurance puzzle and decipher what it is and how it works.

bodilyn injury liability coverage

What Bodily Injury Liability Coverage Is

Bodily injury liability insurance is the insurance coverage you purchase to cover any injuries that you cause to other individuals in a car accident. BIL extends to the drivers and passengers of other vehicles, and to any pedestrians that are involved in the accident as well.

Bodily injury liability coverage is typically sold with two different liability amounts attached, looking something like “$25,000 / $50,000”.

The first number ($25,000, in this example) represents how much coverage you have per person, per accident. If you cause an accident with another car that has three passengers, the limit of coverage you have for each person’s injuries would be $25,000. If, for instance, the driver suffered serious injuries and the cost for treatment was $40,000, your insurance would only pay for the first $25,000 – leaving you to pay for the remainder.

The second amount ($50,000, in our example) represents how much coverage you have for all parties in a single accident. Using the above three passenger accident, if each passenger had $20,000 in medical treatment costs, your insurance would only cover the first $50,000 of this. Since the medical bills total $60,000, you would be on the hook for the remaining $10,000.

Most states in the country require at least some form of bodily injury liability insurance coverage, with the minimum amounts typically ranging from $15,000/$30,000 up to $50,000/$100,000. Currently, the most common BIL limit is $25,000, as you can see in the chart below.

Bodily Injury Liability Coverage Requirements By State

State Minimum State Minimum
Alabama 25,000/50,000 Montana 25,000/50,000
Alaska 50,000/100,000 Nebraska 25,000/50,000
Arizona 15,000/30,000 Nevada 25,000/50,000
Arkansas 25,000/50,000 New Hampshire 25,000/50,000
California 15,000/30,000 New Jersey 15,000/30,000
Colorado 25,000/50,000 New Mexico 25,000/50,000
Connecticut 25,000/50,000 New York 25,000/50,000
Delaware 25,000/50,000 North Carolina 30,000/60,000
District of Columbia 25,000/50,000 North Dakota 25,000/50,000
Florida None Ohio 25,000/50,000
Georgia 25,000/50,000 Oklahoma 25,000/50,000
Hawaii 20,000/40,000 Oregon 25,000/50,000
Idaho 25,000/50,000 Pennsylvania 15,000/30,000
Illinois 25,000/50,000 Rhode Island 25,000/50,000
Indiana 25,000/50,000 South Carolina 25,000/50,000
Iowa 20,000/40,000 South Dakota 25,000/50,000
Kansas 25,000/50,000 Tennessee 25,000/50,000
Kentucky 25,000/50,000 Texas 30,000/60,000
Louisiana 15,000/30,000 Utah 25,000/65,000
Maine 50,000/100,000 Vermont 25,000/50,000
Maryland 30,000/60,000 Virginia 25,000/50,000
Massachusetts 20,000/40,000 Washington 25,000/50,000
Michigan 20,000/40,000 West Virginia 25,000/50,000
Minnesota 30,000/60,000 Wisconsin 25,000/50,000
Mississippi 25,000/50,000 Wyoming 25,000/50,000
Missouri 25,000/50,000

What Bodily Injury Liability Insurance Pays For

Bodily injury liability insurance covers items like medical treatment costs, rehabilitation costs, hospital bills, pain and suffering payouts, and any lost wages that the injured parties suffer. It doesn’t cover anything to do with automobile damage or any other property damage. And most importantly, it doesn’t extend to anyone in your car. Bodily injury liability coverage is strictly for injuries to the other party when you cause an accident.

An additional thing to note is that bodily injury liability coverage can also pay for your legal bills. In our litigious society, legal costs can be massive. If you are sued by the other party following an accident, BIL will pay for your legal defense.

How Much Bodily Injury Liability Coverage Do You Need?

There’s no question that you absolutely need bodily injury liability insurance, which is why it’s legally required in most states. Should you end up being sued by the other party in the accident, without BIL, you could end up being on the hook for a massive settlement that would need to be paid out of pocket. There have been instances of judgments in the hundreds of thousands of dollars, requiring the defendant to lose their home, liquidate their assets, and face bankruptcy (all because they didn’t have enough coverage).

The answer to “how much coverage do I need?” is a bit of a complicated one. As mentioned above, every state will have a different set of minimum amounts of coverage for BIL. While you’re free to go with the minimum – it really is best to get as much as you can afford. The medical treatment and rehabilitation bills resulting from a serious automobile accident can be staggering. An individual who purchased only the required minimum amount of $15,000 or $20,000 can end up being responsible for much, much more – and will have to end up paying out of pocket.

Because of the high medical and legal bills that can result from an accident, we recommend all drivers carry $100,000/$300,000 in bodily injury liability coverage.

By carrying more than your state’s legal requirements, you can drive with the peace of mind knowing that if you are ever involved in an accident, you’ll be covered.

If you are unsure of how much coverage to buy, call up your insurer. Your auto insurance agent can share some advice on how to pair up these two coverage amounts to ensure you are properly covered against most accident risks.

Final Word On Bodily Injury Liability Insurance

Having adequate auto insurance coverage makes a huge difference if you are ever involved in an accident. Don’t get caught without enough coverage and no way to pay your bills! Even an extra few dollars per month in premiums can go a long way in ensuring that you are covered in nearly all situations.

At the bare minimum, you’ll want to make sure that you have adequate bodily injury liability insurance for every driver that drives your car, including any licensed children. Getting as much as you can afford – or as much that you have room for in your budget – is an excellent idea and while it may not ever be needed, it will come in handy should an accident occur.

To search for bodily injury liability insurance rates without having to deal with credit scores or other personal information, scroll up to the top of this page and enter your ZIP code to begin.

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