The Differences in Bodily Injury Liability & Medical Expenses for Car Insurance

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Bodily insurance liability and medical expenses for car insurance are two very different concepts and should be treated as such. Learn about the differences between bodily injury liability and medical expenses for car insurance with help from an independent insurance agent and small business owner in this free video clip.

Part of the Video Series: Auto Insurance
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Video Transcript

Hello, this is Melissa Morley with All Seasons Insurance. Today, we're discussing the difference between bodily injury liability and medical expenses for car insurance. When you buy car insurance, you have different parts of your policy. The generally speaking, on the top of the page on your policy declarations is your liability insurance, your bodily liability insurance. Liability is insurance that you buy for other people. It cover damage that you could cause through a car accident that is your fault. So say for example, you're minding your own business, you didn't see that red light, and you hit another vehicle. That car, unfortunately, sustains damage that causes them to go the hospital, or later to a doctor or chiropractor or massage therapist. Your bodily injury coverage will cover up to the level that you have purchased. The lower levels wont cover as much as the higher levels, and the liability should be enough on your policy that if you were to exceed that policy, you wouldn't be sued. So, you need to know where your asset level is, and buy liability insurance to that level. If you need help with that, find a good financial specialist and they will help you determine exactly what your worth is, and what level of liability you need. Now, medical insurance you purchase is for your medical. So say that in that accident the other car ended up having to go the hospital, say that you did too. You broke a leg. You need to figure out how much insurance coverage for you medically you need to have on your car. And there's a big difference. Just because you purchase liability coverage, doesn't mean that you are going to be covered for your own injury. It's very important that you consider this when purchasing insurance. It may cost a little bit more, but it sure will cost less than having to pay all those doctor bills. This is Melissa Morley with All Seasons Insurance, and today we've been talking about the difference between liability insurance and medical insurance.

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