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Frequently Asked Questions

What is Bodily Injury Liability coverage?

Jeffrey B. Sexton, P.A.
This coverage pays for serious and permanent injury or death to others when your car is involved in an accident for which you are at fault. The insurance company will pay for injuries up to the limits of your policy. It also pays for legal defense if you are sued. Bodily injury Liability pays for injuries caused by you and members of your family who live with you, even if they are driving someone else's car. It may also cover others who drive your car with your permission.
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WHAT IS BODILY INJURY LIABILITY AND PROPERTY DAMAGE LIABILITY COVERAGE?

Insurance covering the policyholder's legal liability resulting from injuries to other persons or damage to their property caused by a vehicle. Any form of coverage where the insured is protected against the claims of other people arising from an auto accident.
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What is the difference between bodily injury liability coverage and medical payments coverage?

Personal Plans | Sonoma State University Alumni Association
Bodily Injury Liability coverage pays for injuries you or anyone covered under your policy may cause to others. Medical Payments coverage pays for reasonable medical expenses for you or your passengers, regardless of who caused the accident. Some states require passengers to first seek reimbursement under their own automobile policy. Your local Liberty Mutual Representative can advise you of your state's coverage regulations.
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What is covered under bodily injury liability coverage?

WI Commissioner of Insurance Frequently Asked Questions on A...
This coverage does not protect you or your car directly. If you cause an accident injuring other people, it protects you against their claims up to the stated amounts for medical expenses, lost wages, pain and suffering and other losses. It will also usually pay if the accident was caused by a member of your family living with you or a person using your own auto with your consent. It does not pay for bodily injury you may sustain.
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What does Bodily Injury mean in General Liability coverage?

Liability Insurance FAQs
Bodily injury means bodily injury, sickness or disease sustained by any person which occurs during the policy period, including death at any time resulting therefrom.
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WHAT IS UNINSURED MOTORIST BODILY INJURY COVERAGE?

A coverage in an Automobile Insurance policy under which the company will pay the amount the insured is entitled to recover for injuries caused by an uninsured motorist. This coverage applies to Bodily Injury losses only, up to the policy limits. Your policy may provide coverage if you are a pedestrain and are injured by an uninsured motorist. Be sure to refer to the "Uninsured Motorist" section of your policy booklet. By law, in California, insurance companies must offer this coverage.
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Why is bodily injury insurance coverage so important?

Jeffrey B. Sexton, P.A.
Bodily injury insurance coverage protects your assets against seizure and forfeiture if a claim or lawsuit is successfully brought against you. Even if you own nothing more than an automobile and your home, while the court would usually not require you to sell those to satisfy a judgment against you, a lien could be placed against your home, for example, that would have to be satisfied when you eventually do sell the house. A judgment lien may remain in effect for as many as 20 (twenty) years.
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What is the difference between bodily injury coverage and personal injury protection?

Find: Best, Affordable Auto/ Car Insurance Rates From Coast ...
Bodily injury coverage pays for injury to another person, but does not pay for your own injury or death. This coverage protects you against lawsuits filed against you if you are responsible for the accident. Personal injury protection pays the hospital, medical and funeral expenses for you, your passengers and/or any pedestrians that you hit. Some policies even cover rehabilitation and lost income.
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What is Bodily Injury?

Pet Sitters Associates, LLC. - Frequently Asked Questions
The policy defines Bodily Injury as: "bodily injury, sickness or disease sustained by a person, including death resulting form any of these at any time." Bodily injury liability is designed to pay for injury you cause to someone else. Example, if you were walking someone's dog and that dog bit someone we would be for any liability you would be legally liable to pay. The Bodily Injury limit is : $1,000,000 per occurrence with a $2,000,000 aggregate.
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Florida Law does not require that a person have Bodily Injury Insurance coverage, does it?

Jeffrey B. Sexton, P.A.
No, not initially. However, both property damage and bodily injury liability insurance are or can be required for drivers who have been convicted of certain traffic violations or who have been in an accident and cannot pay for damages. If you lease a vehicle for more than one year, Florida law requires that you carry coverage of $500,000 combined bodily injury and property damage liability.
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Are medical bills included in a bodily injury claim?

Gold, Khourey&Turak
In general, a bodily injury claim usually refers to a personal injury claim. Examples of economic damages would include, but not limited to, lost wages, medical bills, and rental car expenses. Other damages you may collect in a bodily injury claim are “general damages.” These include pain and suffering, humiliation, and distress.
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What is Bodily Injury Insurance?

Jeffrey B. Sexton, P.A.
This coverage pays for serious and/or permanent injury or death to others when your car is involved in an accident in which you are at fault. The insurance company will pay for injuries up to the limits of your policy. Bodily injury liability pays for injuries caused by you and members of your family who live with you, even if they are driving someone else's car. It may also cover others who drive your car with your permission.
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How do I open a bodily injury claim?

Manitoba Public Insurance > Claims
To open a bodily injury claim, please call our Call Centre at 985-7000 if you are in Winnipeg. Outside Winnipeg, you can call the nearest claim centre. Refer to Manitoba Public Insurance Locations and Phone numbers.
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What is bodily injury and property damage?

Forrest Sherer Insurance | Terre Haute, Indiana
A form of "third-party" protection covering the insured's legal liability for damage to property of others caused by the insured's negligence.
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GENERAL LIABILITY INSURANCE What does personal injury mean in General Liability coverage?

AIG
Personal injury means false arrest, wrongful detention or false imprisonment, or malicious prosecution; the publication or utterance of a libel or slander or of any defamatory or disparaging material, or a publication or utterance in violation of an individual's right of privacy; wrongful entry or eviction, or other invasion of the right of private occupancy; which occurs during the period.
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What does Advertising Injury mean in General Liability coverage?

Liability Insurance FAQs
Advertising injury means injury arising out of an offense committed during the policy period occurring in the course of the named Insured's advertising activities if such injury arises out of libel, slander, defamation, violation of right of privacy, Privacy, unfair competition or infringement of copyright title or slogan.
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What does personal injury mean in General Liability coverage?

TravelCover is a leading provider of Travel Insurance in par...
Personal injury means false arrest, wrongful detention or false imprisonment, or malicious prosecution; the publication or utterance of a libel or slander or of any defamatory or disparaging material, or a publication or utterance in violation of an individual's right of privacy; wrongful entry or eviction, or other invasion of the right of private occupancy; which occurs during the period.
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What is Homicide by Vehicle and Great Bodily Injury?

The Law Offices of David Serna
The New Mexico law also has a provision called Homicide by Vehicle and Great Bodily Injury by Vehicle. If you are D.W.I. and you kill someone or cause them great bodily harm you will charged with a third degree felony. Penalties under this section include three to six years' imprisonment, two years of parole, a find of up to $5,000.00 and additional jail time of two years for each prior D.W.I. conviction. It depends what you alcohol offenses were and how they were disposed.
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What is Vacation Liability Coverage ?

RV - RV Financing - RV Insurance - RV Extended Warranty - RV...
This pays for bodily injury or property damage to others occuring at your vacation campsite. This coverage may vary between insurance companies. It would be best to check with your specific carrier.
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What if I only have liability coverage?

Metro Auto Glass - Milwaukie, OR - Insurance FAQ's
Because liability insurance only provides coverage for damages to another vehicle, auto glass services are NOT COVERED under your liability policy.
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What is covered under "bodily injury" coverage?

Wisconsin Small Employer - Frequently Asked Questions on Aut...
This coverage does not protect you or your car directly. If you cause an accident injuring other people, it protects you against their claims up to the stated amounts for medical expenses, lost wages, pain and suffering and other losses. It will also usually pay if the accident was caused by a member of your family living with you or a person using your own auto with your consent. It does not pay for bodily injury you may sustain.
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How can I explain the State's liability coverage?

Risk Management Division, North Dakota, Vehicle Coverage Fre...
You can tell other parties and/or law enforcement that liability coverage is the North Dakota Risk Management Fund, pursuant to N.D.C.C.ch. 32-12.2. There technically is not a policy number because the coverage is by statute, rather than an independent insurance company. State fleet vehicles should have an insurance card with this information in the packet given to the driver at checkout. See an example of the card below.
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Lowenthal & Abrams Injury Attorneys: Accident FAQs - Pen...
The term "bodily injury claim" usually refers to a "personal injury claim". "Economic damages" would include, but aren't limited to: If you settle your bodily injury claim, it must include all the types of damages available to you, or you'll likely lose your right to recover for those losses.
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What bills are traditionally included in a bodily injury claim?

Frequently Asked Questions: New Hampshire (NH)Lawyers Tenn a...
The term ???bodily injury claim??? usually refers to a personal injury sustained by an individual. These claims usually involve economic damages and general damages. Economic damages are those damages which usually refer to lost wages, medical bills, rental car expenses, and other direct monetary damages. General damages traditionally refer to pain, suffering, and distress.
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What is a "bodily injury claim" and are medical bills included?

Texas Injury Lawyers - Noteboom - The Law Firm
The term "bodily injury claim" is the same thing as what most people consider a "personal injury claim." In addition to medical expenses, your economic damages may also include lost wages, lost business, and future costs and expenses. Beyond economic damages, the law allows you to recover "non-economic damages" such as pain and suffering, disfigurement, disability, impairment, and mental anguish.
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