What Is Bodily Injury Insurance?

If you or a loved one has recently been in a car accident, you may be going through all your paperwork and wonder, “What is bodily injury (BI) insurance?” Bodily injury coverage is the most common kind of insurance for those out driving on the road. It’s actually illegal to drive a vehicle in the State of Flordia without at least $10,000 in BI coverage.

So what is BI coverage? BI coverage will pay for damages to anyone who is hurt because of an accident you caused. If you’re driving down the road, look down at your phone, and get into a fender bender then your BI coverage will cover the other driver’s damages. Let’s say that the driver went to the hospital to get checked out and then they needed to see a chiropractor for a few months.

They wrack up $20,000 in medical bills which you are responsible for because you caused the accident. Your BI insurance will cover that $20,000 so you don’t have to personal pay for it. This is why it is important to have enough BI coverage in the event you cause an accident.