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For example, you may see $25,000/$50,000 listed under bodily injury on your auto policy. This means you have $25,000 of bodily injury coverage per person, with a maximum of $50,000 per accident ...
Generally, this includes bodily injury coverage and property damage coverage.Each coverage has limits for different costs. Most states have minimum insurance coverage requirements you must buy to ...
Understanding the tables: XX/XX/XX = Bodily Injury Limit (per individual)/Bodily Injury Limit (per accident)/Property Damage Limit For example, limits of 25/50/20 means after "an accident each person injured would receive a maximum of up to 25,000 with only 50,000 allowed per accident (ex. 2 people needing 25,000, if the need is more such as 3 ...
For example, for the purposes of general liability, a 2001 survey found that a minority of courts included emotional distress within the definition of bodily injury. [28] [29] Where a mental injury arises from a physical injury—as with a traumatic brain injury caused by a car accident—auto insurance policies normally cover the injury.
An uninsured motorist clause is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause.
Bodily injury liability is designed to specifically pay for medical expenses related to injuries from an accident. If the at-fault driver is driving legally, their policy should include a minimum ...
Forty-nine U.S. states and the District of Columbia require drivers to have insurance coverage for both bodily injury and property damage, with New Hampshire being the exception, but the minimum amount of coverage required by law varies by state. For example, minimum bodily injury liability coverage requirements range from $30,000 in Arizona ...
If your policy only has minimum coverage, which generally includes just bodily injury liability and property damage liability, they will only be covered to the extent of the policy’s limits ...