We are independent & ad-supported. We may earn a commission for purchases made through our links.
Advertiser Disclosure
Our website is an independent, advertising-supported platform. We provide our content free of charge to our readers, and to keep it that way, we rely on revenue generated through advertisements and affiliate partnerships. This means that when you click on certain links on our site and make a purchase, we may earn a commission. Learn more.
How We Make Money
We sustain our operations through affiliate commissions and advertising. If you click on an affiliate link and make a purchase, we may receive a commission from the merchant at no additional cost to you. We also display advertisements on our website, which help generate revenue to support our work and keep our content free for readers. Our editorial team operates independently of our advertising and affiliate partnerships to ensure that our content remains unbiased and focused on providing you with the best information and recommendations based on thorough research and honest evaluations. To remain transparent, we’ve provided a list of our current affiliate partners here.

What is Bodily Injury Coverage?

Mary McMahon
By
Updated Feb 19, 2024
Our promise to you
WiseGeek is dedicated to creating trustworthy, high-quality content that always prioritizes transparency, integrity, and inclusivity above all else. Our ensure that our content creation and review process includes rigorous fact-checking, evidence-based, and continual updates to ensure accuracy and reliability.

Our Promise to you

Founded in 2002, our company has been a trusted resource for readers seeking informative and engaging content. Our dedication to quality remains unwavering—and will never change. We follow a strict editorial policy, ensuring that our content is authored by highly qualified professionals and edited by subject matter experts. This guarantees that everything we publish is objective, accurate, and trustworthy.

Over the years, we've refined our approach to cover a wide range of topics, providing readers with reliable and practical advice to enhance their knowledge and skills. That's why millions of readers turn to us each year. Join us in celebrating the joy of learning, guided by standards you can trust.

Editorial Standards

At WiseGeek, we are committed to creating content that you can trust. Our editorial process is designed to ensure that every piece of content we publish is accurate, reliable, and informative.

Our team of experienced writers and editors follows a strict set of guidelines to ensure the highest quality content. We conduct thorough research, fact-check all information, and rely on credible sources to back up our claims. Our content is reviewed by subject-matter experts to ensure accuracy and clarity.

We believe in transparency and maintain editorial independence from our advertisers. Our team does not receive direct compensation from advertisers, allowing us to create unbiased content that prioritizes your interests.

Bodily injury coverage, also called BI, is a type of insurance coverage that pays for bodily injury to people who are not specifically covered on the insurance policy. In the case of car insurance, it will pay medical expenses for people who are injured by the driver named in the insurance policy. Some businesses also take out this type of coverage to protect themselves if someone is injured on their premises, and some home insurance includes a BI option.

Most people think of bodily injury coverage specifically in terms of car insurance, because car accidents can cause a significant of physical damage to third parties. Medical expenses can quickly rack up, and once fault in the accident has been determined, the injured parties are entitled to reparations from the person at fault. These reparations may include basic medical expenses including rehabilitative therapy, psychological therapy, or even a sum for missed work and pain and suffering.

In many parts of the world, drivers are required to purchase bodily injury coverage when they establish a policy for car insurance. This coverage is usually indicated on an insurance policy in an x/y format, where “x” refers to how much money will be paid out per person, and “y” is the total amount of money an insurance company will pay out for a single accident. In the United States, the insurance industry recommends 100/300 coverage, which means that up to $100,000 US will be paid per person per accident, and $300,000 USD will be paid in total per accident. In some regions, the coverage also covers legal fees related to the accident.

Generally, there are a number of options for bodily injury coverage, starting with the minimum required by the government. Government minimums tend to be low, but they will cover basic medical expenses in a simple accident. People who want more assurance of coverage can buy up, getting a policy with a higher coverage. Some people choose to buy more insurance to protect their personal assets, as a lawsuit over accident damage can result in liquidation of real estate, securities, and other assets to pay the claimant.

When establishing an insurance policy, you should ask your insurance agent about the best type of bodily injury coverage for you. If you only drive once a week in rural areas, for example, you may not need an expensive plan. If you drive frequently in congested urban areas, a higher bodily injury limit might be a good idea. You may also want to ask for BI options with home and business insurance as well, ensuring that people who are injured on your property will be covered.

WiseGeek is dedicated to providing accurate and trustworthy information. We carefully select reputable sources and employ a rigorous fact-checking process to maintain the highest standards. To learn more about our commitment to accuracy, read our editorial process.
Mary McMahon
By Mary McMahon

Ever since she began contributing to the site several years ago, Mary has embraced the exciting challenge of being a WiseGeek researcher and writer. Mary has a liberal arts degree from Goddard College and spends her free time reading, cooking, and exploring the great outdoors.

Discussion Comments
Mary McMahon
Mary McMahon

Ever since she began contributing to the site several years ago, Mary has embraced the exciting challenge of being a...

Learn more
WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.

WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.