Business Auto Insurance

BODILY INJURY COVERAGES

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Commercial Auto Bodily Injury Coverage

Bodily Injury insurance is one part of the liability insurance portion of your business auto insurance policy. It combines with property damage coverage to provide the overall liability insurance coverage you need.

Bodily injury pays the medical and associated expenses of other parties that are involved in an auto accident that you caused. The bodily injury portion of your liability insurance will pay up to a maximum amount as specified on your insurance policy. The payments can help cover accident-related expenses such as:

  • Hospital and medical bills
  • Funeral expenses
  • Recovery and Rehabilitation
  • Long-term care
  • Lost earnings
  • Pain and suffering
  • Other damages

Having bodily injury coverage as part of your general liability insurance protects you from the financial impact of having to pay these sorts of expenses personally. Bodily injury can also pay for litigation expenses that arise if you are sued because of the accident.

Who Needs Bodily Injury Liability Insurance?

All licensed drivers must have bodily injury liability insurance coverage. This is generally required by law in all parts of the United States just in case you are the cause of an accident that causes death or physical injury to other people.
Independent truck drivers must also carry bodily injury coverage in order to obtain certain licenses and filings.

Limits For Bodily Injury Liability Insurance

Like liability insurance, bodily injury requires you to declare set limits for the maximum amount of money your policy will pay for if you cause an accident. You can select coverage that is split or combined. Split coverage sets maximum limits for three specific areas, while combined coverage sets a total payment limit for one accident.

Split limit insurance policies declare two separate dollar amounts. The first is the maximum amount that can be paid for each person injured in an accident. The second number declares the maximum amount your insurance policy will pay for all injuries combined.

A split policy of $15,000/$30,000 for example, would pay no more than $15,000 for one person’s bodily injuries and no more than $30,000 for all persons injuries combined.

liability insurance policy that has a combined single limit (CSL) will pay up to one specific dollar amount for both bodily injury amounts and property damage amounts combined. CSL policies pay on a per accident basis, but they do not declare specific maximum payments for a given portion of damages or injuries.