If you aren’t comfortable holding only your state’s minimum requirement, you can always increase your coverage limits. Talk to your insurance provider to learn more about adjusting your liability limits.

How much does bodily injury liability coverage cost?

Like other types of auto insurance, the amount you pay for your bodily injury liability coverage depends on several factors, including:

• Your driving history
• Your insurance provider
• Where you live

Current pricing for bodily injury liability coverage varies by state, even when many other factors are similar. To give you an idea of this variance, let’s say the same hypothetical driver receives a quote for bodily injury liability coverage in three states. Their age, driving history, credit score, and other factors are the same in all three cases, but their quotes could come back as:

• Florida: $425 per year, or $35 per month
• Texas: $450 per year, or $37 per month
• Wisconsin: $480 per year, or $40 per month

Keep in mind that these rates apply to bodily injury liability coverage alone, and don’t include property damage coverage. Also, these quotes are hypothetical, based on state- and industry-specific pricing trends.

What’s the difference between liability and bodily injury liability?

Liability and bodily injury liability coverages are more related than they are different. Bodily injury is a type of liability coverage.

When you purchase an auto liability insurance policy, it includes two types of coverage: bodily injury liability coverage—which applies when other drivers, passengers, or pedestrians are injured in an accident you cause—and property damage liability, which helps pay for damage to those individuals’ property following a covered accident. 

Bodily injury liability vs. medical payments coverage

Bodily injury liability helps cover you for damages another party can legally claim against you for injuries they sustain in accidents you cause. Medical payments coverage, on the other hand, is in place to help pay for medical expenses related to injuries you or your passengers’ sustain, regardless of who’s at fault in the accident.

As we noted above, bodily injury liability is almost always required, whereas medical payments coverage is typically optional.

Contact us to discuss adding medical payment coverage or other auto coverages to your policy.

Filing a bodily injury liability claim

When you get in an accident involving another driver, you typically exchange insurance cards with them. If that person and/or their passenger is injured, they can reach out to your insurance provider to file a bodily injury liability claim.

Here are the steps you can expect to take:

1. Make the call: After an accident, call us at 800-334-0090 to report your auto claim.
2. Answer a few questions: We’ll ask some initial questions and then connect you with a member of our knowledgeable claims team.
3. Receive your review and move forward: The claims associate will review your policy and work with you to determine what you should do next.