What is the Difference Between Liability and Bodily Injury?
When it comes to auto insurance, there are two important types of coverage that you should understand: liability and bodily injury. While both are important, they provide different types of protection and cover different types of losses. Knowing the difference between the two can help you make sure you have the right coverage for your needs.
Liability coverage is the most basic type of auto insurance coverage. It helps cover expenses you incur if you damage someone’s physical property, such as somebody’s vehicle or garage door. Property damage liability coverage helps pay for the cost of repairs or replacement of the damaged property. It also helps cover legal fees if you are sued as a result of the accident.
Bodily injury coverage, on the other hand, helps pay for medical bills of anyone injured in an accident when you’re found at fault. This coverage helps pay for medical bills, lost wages, and even funeral expenses if someone is killed in an accident that you caused. It also helps cover legal fees if you are sued as a result of the accident.
In summary, liability coverage helps cover expenses you incur if you damage someone’s physical property, while bodily injury coverage helps pay for medical bills of anyone injured in an accident when you’re found at fault. Both types of coverage are important, and it’s important to make sure you have the right coverage for your needs.
