{"id":6099,"date":"2024-11-07T07:43:20","date_gmt":"2024-11-07T15:43:20","guid":{"rendered":"\/wp-site\/?p=6099"},"modified":"2025-11-20T15:05:24","modified_gmt":"2025-11-20T23:05:24","slug":"bodily-injury-liability","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/bodily-injury-liability\/","title":{"rendered":"Bodily Injury Liability: What It Is and Do You Need It?"},"content":{"rendered":"\n

Bodily injury liability pays for other people’s medical bills, lost income and related expenses when you injure them in a crash. It’s required in almost all states<\/strong> as part of standard liability coverage. <\/p>\n\n\n\n

Jerry has helped 241,946 drivers<\/strong> get affordable bodily injury liability coverage and we encourage drivers to consider higher limits than the state minimum<\/strong> to protect your finances.<\/p>\n\n\n

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What bodily injury liability does and doesn’t cover<\/h2>\n\n\n\n
Covered<\/th>Not covered<\/th><\/tr><\/thead>
Other people’s medical bills.<\/td>Your medical expenses.<\/td><\/tr>
Lost income for injured parties.<\/td>Your passengers’ medical bills.<\/td><\/tr>
Other people’s pain and suffering payments.<\/td>Medical costs over your limits.<\/td><\/tr>
Other people’s funeral costs.<\/td>Your lost wages.<\/td><\/tr>
Legal defense if you’re sued.<\/td>Damage to cars or property.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n
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Jerry recommends:<\/strong> Always carry bodily injury liability insurance. It\u2019s illegal to drive without it in most states, and if you cause a crash, you\u2019ll pay all damages out of pocket. Compare quotes with bodily injury liability in the Jerry app to find personalized options in minutes.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

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How bodily injury coverage works<\/h2>\n\n\n\n

Bodily injury liability has two limits that work together<\/strong> to protect you from medical claims, commonly expressed as the first two numbers in your liability policy, such as 15\/30\/<\/strong>15. Those first two numbers represent:<\/p>\n\n\n\n

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  • Per-person limit (15):<\/strong> Maximum paid for each injured person, in this case $15,000.<\/li>\n\n\n\n
  • Per-accident limit (30):<\/strong> Maximum paid for all injuries in one accident, in this case $30,000.<\/li>\n<\/ul>\n\n\n\n

    That third number in the liability limits (15) is for property damage liability<\/a>. <\/p>\n\n\n