Bodily injury liability coverage
If you are found to be at fault in an auto accident, bodily injury liability coverage pays for the cost of injuries to the other person or persons involved. Because you are responsible for the accident, you’re required to pay for the other party’s medical bills. When you purchase your insurance policy, you will see two numbers listed next to the this category. For example, it might look something like this: bodily injury liability coverage: $100,000/$200,000, The first is the limit that your insurance company will pay for damages to a single person ($100,000), and the second is the total amount your insurance will pay out for all damages incurred to other parties in the accident ($200,000).
In addition to medical expenses, there are several other items that this part of your insurance plan will cover when you’re at fault in a serious motor vehicle accident. In the event that a lawsuit is filed against you, bodily injury auto coverage will pay for the resulting legal fees. It can also be used to compensate the injured party for loss of income or pain and suffering.
Should my auto policy have it?
Do you need liability coverage? California, like most states, requires that you carry a minimum amount of bodily injury liability insurance. The minimum is $15,000/$30,000. But keep in mind, you are personally responsible for any damages over and above the amount that your auto insurance policy pays. What that means is that, if your policy does not cover all of the damages incurred, you are required to come out of pocket to pay for the rest.
So how much insurance should you carry to make sure you’re covered in the case of bodily injury from a car accident? Determining how much you carry depends on many factors, including where you live, your income level and driving record. Because he’s been in the business for decades, Dan Fraisse can help you arrive at a coverage amount that both protects you and is something you can afford in terms of cost per month.
Other types of auto insurance coverage
There are several types of insurance coverage you’ll need to have when you register a car in the state of California. In order to offer financial protection against liability and lawsuits, it’s important to make sure you not only have the right type, but at the right limit as well. Dan can help you weigh the pros and cons of carrying enough bodily injury insurance.
Call the office today to schedule an appointment with Dan to discuss the best auto insurance policy for you.