Bodily injury liability coverage in Georgia pays for the medical bills and lost wages of another party injured in a vehicle accident you caused. Car insurance policies are required by law in most jurisdictions to provide bodily injury liability coverage.
Almost every state has a minimum bodily injury coverage requirement, such as $25,000 per person. However, consumers can, and should, go above the bare minimum required by Georgia law.
What is covered under bodily injury insurance?
If you cause harm to another motorist as a result of your negligence, bodily injury liability insurance takes in. Medical bills, missed pay from work, and even burial expenses may be included.
Bodily injury does not cover the price of any medical treatment you may need as a result of your injuries. Because it only covers damage to other drivers and passengers (you are the "first party"). It is referred to as "third-party" insurance.
What are the liability limitations for personal injury
For example, "25/50" refers to the amount of bodily injury coverage you have. These two numbers represent physical injury coverage limitations.
The first reflects the amount of coverage for one individual involved in the accident, and the second shows the total amount of coverage for the whole incident. This indicates that the insurance coverage will only pay out up to $25,000 per person wounded in an accident and a maximum of $50,000 in claims for a single accident, as an example of a 25/50 limit.
To further understand the concept of bodily harm culpability, let's look at two real-world scenarios.
1. Two persons in the other car were hurt as a result of an accident in which you were found to be at fault. There were $30,000 in medical expenditures for Person A, and $10,000 in medical expenses for Person B. Your insurance coverage will only pay $25,000 to Person A, and $10,000 to Person B, despite the fact that the aggregate medical expenditures are under the $50,000 maximum per accident. As a result, you are responsible for the $5,000 of the unpaid claim since Person A's costs were over the per-person limit.
2. Two persons were hurt in an accident that was your responsibility. Both people claimed a total of $25,000 in medical expenses. The insurance coverage will pay these costs since both individual claims are less than $25,000 and the aggregate claim is less than or equal to $50,000.
Consumers may also choose to acquire a combined single limit (CSL) coverage. When compared to the split limit, the CSL has a single restriction that is unaffected by the number of wounded individuals and applies to the whole accident. CSL limits are more costly because of their pliability, and not all automobile insurance companies provide them.
What does bodily injury insurance cover?
If you cause an accident that results in the damage or death of another person, bodily injury liability insurance may assist cover the following expenses:
Amounts Owed for Medical Treatment:
If you cause a vehicle accident and injure someone else, bodily injury liability insurance can assist cover the cost of their medical treatment and emergency services. It may also assist to pay the expenses of their follow-up care, such as the purchase of crutches or a wheelchair.
Damages for lost wages and earnings:
If you cause an accident and hurt another motorist, they may need months of physical treatment as part of their rehabilitation. It's also possible that the individual who was wounded in the accident is out of work and unable to earn a living. Your auto insurance policy's bodily injury liability protection might assist in making good on the damages they've suffered. The amount of compensation an injured person may obtain for lost wages may be limited by state law.
Costs of litigation:
An injured party or the insurance company of an injured party may bring a lawsuit against you after an accident. This may need the hiring of a lawyer, which may be expensive. Legal bills may be covered by bodily injury liability insurance.
Limits on bodily injury liability insurance
Bodily injury liability coverage has a limit on how much your insurance company will pay out in the event of a covered accident. A per-person limit and a per-accident limit are the most common types of bodily injury liability coverage.
Limitation on the number of times it may be used per person
For each individual who is harmed in an accident, the per-person limit applies. You may have a $50,000 cap, for example. To put it another way, your bodily injury responsibility would only cover up to $50,000 in medical bills if one person was wounded in a vehicle crash.
Limitation on the number of times an accident may occur
Per-accident limits apply to all accidents when numerous persons are wounded. Take the example of having a $100,000 limit on your per-accident liability. To put it another way, the maximum amount your bodily injury responsibility would pay out for a vehicle accident that harmed three individuals is $100,000 For each individual harmed, only up to the per-person maximum can be paid out.
You may be able to combine bodily injury and property damage liability coverage into a single limit in certain areas. A $250,000 combined limit, for example, implies your insurance will only pay up to that amount in property damage and bodily injury claims together under any one claim.
Why do I need so much bodily injury protection
A few additional dollars every year might save you tens of thousands of dollars if you're ever in an at-fault collision; therefore we suggest that you get more than the minimum amount needed by your state, depending on your net worth and how often you drive.
We would love to help you out and make sure you have the RIGHT coverage and the BEST service available for your insurance. So please feel free to reach out anytime. You can call, text (678-719-0678), email, go to the 'Contact Us' page on our site, or find us on any social media platform (Links below) and message us there! We want to be accessible and make sure you are properly protected for when you need it the most.
This blog will have articles written by members of the Stephen Turner Agency as well as other relevant articles we find. We want to ensure you have the most up to date info on the insurance industry so you can make the best choices for your family!