Why You Need Bodily Injury Coverage
Posted by Elizabeth Dennis on May 2, 2011 | No Comments
If you have liability insurance, you are probably familiar with bodily injury coverage. This coverage allows your insurance to defend you in legal matters in cases such as accidents. You always want to have bodily injury coverage in your car insurance policy.
Many people do not understand what bodily injury coverage actually is. Bodily injury coverage is the part of your insurance plan, which covers you in cases such as getting hurt in an accident, getting sick and needing prolonged care and even in cases where you possibly die in a car accident.
If you are in an accident, bodily injury coverage will ensure you are taken care of in times of need when you are involved in accidents, which are not your fault. No fault accidents happen on a daily basis, you want to make sure you are prepared because you never know what can and will happen.
Bodily injury coverage will pay for costs of surgeries or medical care required because of a car accident. Hospital fees are outrageously high and if you do not have the bodily injury coverage clause in your car insurance coverage, you could be stuck with loads of money to dish out to the hospital for the care you received due to a car accident.
If you need care for a home nurse for a prolonged period, the bodily injury coverage insurance will pay for this. This is also expensive over a period and without bodily injury coverage, you might have to pay for this type of particular care.
If you lose your vehicle due to a car accident, bodily injury coverage will help with making ends meet during this period of your life. If you are killed during an accident, your bodily injury coverage will pay for the expenses entailed with the car accident and sue the other driver for expenses for your family.
Your bodily injury coverage will pay for an accident even if you are at fault but there is a “cap” on how much they will pay. These types of accidents occur often because no one is perfect and bad things do happen to good people.
Every state mandates all car owners to carry minimally liability car insurance. Check with your local DMV (Department of Motor Vehicles) to find out your own states mandated limits. You want to ensure that you are driving legally on the road as well as being covered during accidents, no matter if they are your fault or someone else’s fault. You cannot afford to drive your vehicle without bodily injury coverage insurance.
Contact your insurance sales agent and inquire about bodily injury coverage for your vehicle. If you already have this coverage, feel free to ask your insurance agent what precisely does it cover and not cover? If you do not have this coverage, you will want to add bodily injury coverage to your insurance policy. You simply cannot afford to not have bodily injury coverage for protection of not only your vehicle but for you.
Tags: Auto Insurance
Filed Under: Auto Insurance, Newbuyer's Own
