What Does Bodily Injury Cover?
In legal terms, bodily injury refers to the injury caused to another person in a car accident when you are at fault. If you have suffered bodily injury because of the other party’s fault, filing a claim can help you win compensation, which is why reaching out to a personal injury lawyer in Sacramento can help you claim the compensation you truly deserve.
Understanding Bodily Injury Cover.
Bodily injury is a special type of insurance liability that covers the costs of a victim’s medical expenses through the at-fault party’s coverage. As would be explained by your West Sacramento car accident attorney, bodily injury covers the costs of a third party if you are responsible for the accident.
Many states require drivers to carry bodily injury liability insurance because, when an accident occurs, this insurance will cover the expenses for the injuries supported by the other person. States usually require that drivers maintain a minimum level of bodily injury and property damage liability insurance since it pays for drivers, passengers, and pedestrians who are involved and affected.
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What Does a Bodily Injury Cover?
Here is a list of all the areas that are covered by bodily injury liability insurance.
- Medical expenses- This insurance covers hospital bills, emergency receipts, and other medical treatment expenses.
- Legal fees- The bodily injury insurance covers the fees of lawyers and the legal procedures that are carried out during the case.
- Funeral costs-
In extremely tragic cases, this insurance also covers the cost of the funeral. - Loss of income- Every accident has a tremendous physical and mental consequence for the people involved. This can even translate to loss of income due to mental distress or medical emergency.
- Pain and suffering- A bodily injury insurance may cover emotional trauma, suffering, pain, or low quality of life because of the accident. However, calculating the compensation can be complex. Consulting with an experienced auto accident lawyer in Sacramento can help you strengthen your case for a deserving settlement amount.
Physical Harm to a Person As Referred to In Bodily Injury Liability Insurance Includes-
- Cuts, scrapes, lacerations
- Bruises
- Burns
- Broken bones
- Internal bleeding
- Illness
- Impairments
- Disfigurement
How Much Bodily Injury Insurance Do You Need?
In basic terms, you are required to meet the standard coverage requirements of your state. But, purchasing more coverage can help cover your assets if you cause severe damage. That is why it is important to consult your auto accident attorney in Fair Oaks and go for an insurance package that covers your net worth.
Usually, states mandate that drivers maintain a certain level of bodily injury and property damage liability insurance.
You will be financially responsible for paying the due medical costs if you do not have enough coverage since the insurance company will not be paying for the costs that exceed your policy’s limitations. Hence, make sure to apply for coverage after calculating investments, personal savings, and home equity.
A car accident is a stressful and traumatizing situation resulting in extensive monetary and legal damages. Handling the case alone can be overwhelming because of limited knowledge about the legal system.
What happens if I don’t have Bodily Injury liability insurance cover?
If you have unfortunately caused an accident and do not have the required bodily injury liability coverage, there is a high chance that you may be sued, charged, and held legally responsible for paying the accused party’s medical costs out of your own pocket. This may also occur when you have Bodily Injury Liability insurance coverage but not enough to cover the entire medical costs. The amount you are due to provide can easily exceed your life’s worth of savings. Hence, it is important to make sure you have a BI coverage amount that you are comfortable with.
In addition, if the other party has uninsured or underinsured motorist coverage, they have the scope to file a claim that covers their medical costs through their insurance. However, you could still be held responsible for their medical expenses in some cases. That is why Bodily Injury Liability insurance coverage is extremely necessary for drivers in every state no matter what the regulation differences. If you hit the road without taking into consideration your state’s minimum required Bodily Insurance liability limit, you could be cited, held up, and fined, in addition to any medical costs that you are found liable to pay.
Hence, the results for driving without insurance, including Bodily Insurance liability coverage, can result in fines, jail time, and other penalties based on the rules of your state and the circumstances.
In conclusion, it is also important to note bicycle accidents are no different. If you are injured in a bicycle accident, consulting with the Sacramento bicycle accident attorney can help you claim for the injuries and damages. Consulting with the best auto accident lawyer in Sacramento is a wise decision to handle the case effectively and win compensation if you or your family sustained injuries in a car accident.
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Are You Planning On Dipping Your Feet Into Bodily Injury Liability Insurance? Look No Further Than Doyle & O’Donnell.
Filing an accident claim can be a complicated and taxing procedure, but you don’t have to face it alone. Choose the best West Sacramento car accident attorney to explore the legal process better and gain the desired outcome confidently.
Our legal experts go above and beyond to fight for your rights while ensuring you receive reasonable compensation for your injuries and sufferings. Contact us today!