For your FREE Bodily Injury (BI) Auto Insurance quote

Bodily Injury (BI) Auto Insurance

Bodily Injury or “BI” is a type of auto insurance coverage that pays for injuries to people who are not covered under the policyholder’s auto insurance policy. Any third parties that have been injured in an accident (that is determined to be the policyholder’s fault) are covered. Bodily injury auto insurance coverage pays the third parties’ medical bills and in many cases, it also pays for lost wages. Depending on the auto insurance policy and the region all parties involved reside, bodily injury coverage may also cover mental health expenses and rehabilitative therapy, as well as legal expenses. It is best to read over your bodily injury auto insurance policy carefully before signing on the dotted line to make sure that you have adequate coverage. In the U.S., bodily injury coverage is described in an “a/b” format. “A” represents the dollar amount (in thousands) of coverage per person injured in the accident and “b” is the dollar amount (in thousands) of coverage per accident. While some policyholders still choose to stick with state minimums for liability insurance, which can be as low as 15/30/5, the insurance industry recognizes that state minimums are too low and opting for the minimum puts policyholders financial future at risk. Because of this, the industry recommends auto insurance liability coverage that is no less than 100/300/50. This means that the insurance company will pay up to $100,000 for one individual injured in an accident and up to $300,000 to cover injuries to all passengers injured in an accident. The last number (50 or $50,000) represents the amount that will be paid for property damage.

AutoCarInsurance.org offers free quotes on bodily injury coverage. In order to obtain these free quotes, simply enter your zip code in the box above and fill the short form that follows.