If you were in a car accident, would you be confident that your car insurance policy would cover bodily injuries? You need to consider this when purchasing a car insurance policy to ensure you have enough protection in the event of a collision. If the other driver’s policy doesn’t cover injuries, it is something you’ll need to cover yourself.
Are there different policies to cover bodily injuries?
When you want car insurance that covers bodily injuries, you are either looking at a full or comprehensive insurance policy, an add-on to your traditional liability insurance policy, or a bodily injury liability policy. The one you choose depends on many factors, including how much of the bodily injuries you want covered, your general risks as far as injuries are concerned, and what other features you want in the policy. For example, if you want extras like vehicle replacement, roadside assistance, and theft or vandalism coverage, it is often a good idea to choose a comprehensive policy that also has bodily injury coverage.
When should you get a bodily injury liability policy?
Bodily injury liability policies are similar to basic auto insurance liability policies, but they include an add-on for bodily injuries only. This is necessary when you want the minimum coverage and the only add-on you care about is for having bodily injuries covered. You should choose this type of policy if you aren’t interested in the other extras involved with comprehensive policies. For example, you might have an automobile membership plan that already comes with roadside assistance, so you really don’t need that extra with a comprehensive policy.
What types of expenses does it cover?
When you choose a policy or add-on that includes bodily injury coverage, it helps to know exactly what is going to be covered. The main thing it will help to cover is medical expenses. This may be the cost of the ambulance trip to the hospital, co-pays and deductibles, and procedure costs. If you end up needing prescriptions or physical therapy, that should be covered as well, along with specialty devices like crutches or a wheelchair. The coverage might also cover other things, such as any income you lose while recovering or legal fees when filing a claim with the help of your lawyer.
Speak to an insurance agent from an establishment if you have any questions about policies that include this type of coverage. If you don’t have bodily injury coverage and are in an accident that was not your fault, contact a personal injury attorney to file a claim against the other driver.
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