I rear ended someone, which part of my insurance covers that?




Key Points

Bodily injured pays for medical expenses incurred as a result of a vehicle accident.

Regardless of whether or not the policyholder and their passengers have health insurance, bodily injured protects them both.

Bodily injured insurance has a minimum coverage amount and a maximum coverage amount per person.

Understanding Bodily Injury Insurance

Bodily injured coverage is only available in no-fault states, and the rules and benefits of auto insurance vary by state. If a policyholder is injured in an automobile accident in a no-fault state, the insurance covers the holder's medical care regardless of who caused the accident. Even if the other motorist does not have insurance, policyholders with Bodily injured coverage can obtain payments.

Important: Even if the policyholder caused the accident, bodily injured compensates for medical bills.

In addition to making medical care more reasonable. Medical payments coverage is available in certain no-fault states, but it usually has minimal limits and does not cover these additional expenses.

Do you need Bodily Injury Insurance?

Yes, you must have bodily injury coverage if you reside in a state that mandates it. The next question is how much you should get. If your health insurance covers injuries and rehabilitation as a result of an automobile accident, you may just need to purchase the state's minimal level of bodily injury coverage. If bodily injury coverage is optional in your state, review your health insurance to see how it covers expenditures connected to automobile accidents, as well as your deductible and out-of-pocket maximums, to help you decide.


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