Definition of Bodily Injury Liability Insurance

Bodily injury coverage provides insurance in case of injuries from an accident.

Bodily injury liability insurance provides coverage for persons who become injured as a result of someone's negligence arising out of an accident. In cases where a policyholder is found at fault, this coverage does not apply to the injured policyholder.

Insurance Policies

Bodily injury liability insurance is found in many types of insurance policies, such as personal and commercial auto, homeowners, business owners, boat owners and general commercial policies.

Purpose

Persons injured as a result of someone's negligence may recover monetary damages for pain and suffering and outstanding medical bills and lost earnings. Up to a policy limit of coverage, bodily injury liability insurance provides protection from exposure against the at-fault person's assets.

Bodily Injury

Bodily injury means physical injury, sickness, disease or death.

Lawsuit

Liability insurance provides a legal defense to the policyholder against lawsuits arising out of a claim for bodily injuries. This means that the insurance company retains an attorney and covers the legal fees and expenses in connection with the lawsuit.

Settlement

The insurance company investigates and evaluates the injury claim for potential settlement and may make a settlement offer to resolve the claim filed against its policyholder.

References

• Car Insurance News: Insurance news: Bodily Injury Liability Insurance
• Cars Direct: What Does Bodily Injury Liability Cover?
• Insurance Free Advice: Car Accidents and Bodily Injury Claims