What is Bodily Injury coverage?

If you are the cause of a car accident in which other people are injured, bodily injury coverage protects you against claims for their damages such as medical expense, lost wages, funeral costs, and pain and suffering.

Body Injury coverage is usually required by most states as part of the car insurance policy. It is also stated in terms of a/b. "A" represents the dollar amount in thousands of coverage per person where as "B" is the the dollar amount in thousands of coverage per accident.

You need enough insurance to protect your assets from claims resulting from a serious car accident. Bodily Injury coverage can also serve as a safeguard against potential law suits.

You should not reduce this coverage over time even though your car ages and declines in value.