What is Bodily Injury Coverage in Auto Policies?

The majority of US states require that drivers have liability insurance when they drive.  The key piece of this insurance is bodily injury liability coverage which covers the injuries and damages of others when you are deemed responsible for the accident.  This forms an important piece of financial protection for you and your family.  If there is an accident, the injured party’s medical expenses can rapidly escalate when you consider the realm of what that can entail (doctor’s visits, ambulance, MRI, surgery, physical therapy, etc.).  Also, there is a high probability that they will sue you.  This means legal fees, court costs, and a possible judgment.  The team at State Insurance Solutions works with Arlington, TX area residents like you and businesses to make sure that their client’s vehicles are appropriately covered when they venture out.  Before and after an accident, they are your partners when you drive.

One important part of bodily injury liability coverage to understand is that while it pays for the medical expenses and legal fees of others, it will not cover your medical expenses.  The most common policies will cite “25/50/25” or similar numbers.  This indicates the amounts the policy will pay out.  The first number represents $25,000 for one injured person in an accident with a $50,000 maximum for the entire accident.  The last number represents coverage of $25,000 for damages.  These are the limits for an average policy.  If expenses exceed these amounts, you will be held responsible. 

Unfortunately, accidents occur every day.  That is why you need the appropriate coverage when you and your family members drive.  The agents at State Insurance Solutions work with Arlington, TX area residents every day.  They will get you the coverage you need for a price that fits your budget.  Visit them today!