What is Bodily Injury Liability?
Insurance glossary entry on BeCovered.ai for the term "Bodily Injury Liability": Auto coverage for injuries you cause to others in an at-fault accident. Scope: plain-language meaning for coverage discussions; confirm definitions on your policy forms.
Auto coverage for injuries you cause to others in an at-fault accident.
Understanding Bodily Injury Liability
BI limits are often split per person/per accident (e.g., 250/500). Umbrella policies may require minimum underlying BI limits before attachment.
Examples
- At-fault crash injures two people—per person cap applies individually up to per accident max.
- BI pays defense costs within limits on many policies.
Common Questions About Bodily Injury Liability
Is state minimum BI enough?
Rarely for asset protection—serious injury claims can exceed minimums quickly. Compare to net worth and future earnings.
Does BI cover my passengers?
BI covers third parties you injure—not your own passengers' injury under your liability to yourself; other coverages apply.
Related Insurance Types
Related Terms
Liability
Legal responsibility for causing harm or damage to another person or their property.
Umbrella Insurance
Extra liability coverage that kicks in when your auto, home, or other policy limits are exceeded.
Coverage Limit
The maximum amount your insurance company will pay for a covered claim.
Claim
A formal request to your insurance company for payment or coverage for a loss or policy event.