Liability Coverage is for accidents that are your fault. Bodily injury liability pays for bodily injury you cause someone else. Property damage liability pays for property damage you cause someone else.

What is covered under bodily injury?

Bodily injury covers expenses associated with injuring someone else in an at-fault accident. Your policy may respond by covering the costs of their medical expenses and loss of wages as a result. Property damage helps pay for damage you cause to someone else’s personal property during an accident.

How does bodily injury insurance work for car accidents?

Bodily Injury Liability insurance pays for injuries you cause to another driver if you are at-fault in the accident. Bodily injury does not cover the medical costs of injuries you may get in the accident.

What does auto insurance cover in a no fault accident?

Medical payments coverage. If you don’t live in a no-fault state where personal injury protection is required, medical payments coverage pays for your medical costs and those of your passengers. It can even cover family members driving your car. Medical payments coverage typically pays for hospital stays,…

How much does it cost for bodily injury insurance?

Bodily injury liability policies have limits on how much will be paid per person injured and per accident. Most states require bodily injury liability coverage. The cost of bodily injury insurance varies based on the driver and how much coverage they purchase.

What happens to my auto insurance if I am at fault?

So, if you live in a no-fault state, your auto insurance already covers your injury costs, even if you’re at fault. No-fault states require you to purchase a minimum amount of personal injury protection (PIP) to cover your medical bills.