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How much bodily injury insurance should you purchase?

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How much bodily injury insurance should you purchase?

The question is how much bodily injury automobile insurance do I need and what does that mean. Bodily injury or BI insurance stands for liability insurance. This type of insurance covers you if you injure another person(s). For example, if you are in an automobile accident and you hit another car, you are responsible if it is your fault and you are negligent. 

You would be responsible to pay for the following:
Pain and suffering
Medical bills
Damages to the vehicle(s)
Future medical costs to the driver and occupants of that vehicle 

When you are picking the bodily injury or BI liability insurance limits on your policy, make are that you pick limits that protect you. What that means is that you want to protect your assets. Do you have substantial assets? Do you have assets that are not substantial? The more that you have, the more you need protecting.

Usually bodily injury or BI limits are sold in the following increments:

  •  10 – 20 which means that you have $10,000 per injured person or $20,000 per accident in the event of multiple injured parties.
  •  20 – 40 which means that you have $20,000 per injured person or $40,000 per accident in the event of multiple injured parties.
  •  25 – 50 which means that you have $25,000 per injured person or $50,000 per accident in the event of multiple injured parties.

I recommend that you look at your own personal income and your own personal wealth and decide what limits you need. Get the highest limits you can afford so you can protect yourself. That way if you cause an accident and you are sued, you will have adequate coverage to cover the losses.

The personal injury attorneys at Carlson, Meissner, Hart & Hayslett, P.A., are fighting for our clients rights in personal injury cases in ClearwaterTampaBradentonSpring Hill, Pinellas, Pasco, New Port Richey, Manatee, Hillsborough and Hernando Counties in Florida. 

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