Understanding “Bodily Injury” on your Auto Coverage

March 13, 2013 at 11:45 AM | Posted in Auto, Insurance Claims, Insurance Policy | Leave a comment
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The type of coverage and selection of high limits you include in your policy is important to you and your family.

On your Auto Policy, there are three ways bodily injury coverage works:

  • Bodily Injury to Others – Covers bodily injury you cause to others for an accident you are responsible for.
  • Bodily Injury Caused by Uninsured and Bodily Injury Caused by Underinsured motorists – Covers you and your passengers when someone else is responsible for an accident and they do not carry insurance or do not carry enough insurance.

All too often, customers choose to only select higher coverage for Bodily Injury to Others (Part 5) to protect them should they be sued without also purchasing higher limits for Bodily Injury Caused by an Uninsured Motorist (Part 3) or Bodily Injury Caused by an Underinsured Motorist (Part 12).

Law offices will tell you that they see numerous cases where at-fault motorists carry only the State minimum limits of $20,000 per person and $40,000 per accident for bodily injury to others. When these motorists cause an accident, leaving you with injuries and lost wages, your recovery would only be as good as their purchased limits, which may not be enough. If your health insurer places a lien on the case, there might not be any claims payment left for you to recover.

It is in your very best interest to elect higher limits for Bodily Injury Caused by an Uninsured Motorist and Bodily Injury caused by an Underinsured Motorist. When you increase the limits on your policy for these coverages, you may then rely on your own policy for additional coverage in the event of an Uninsured or Underinsured motorist claim. Choosing higher limits ensures you have the coverage you and your passengers need regardless of the limits chosen by other drives on the road. Coverage options vary by carrier. The fee is minimal, and the protection is priceless.

Call Protector Group at 1-888-850-9400 ~ we’ll be happy to answer all your questions and review your coverage and pricing options.

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