Car accidents happen every day, and they can result in serious injuries. If you are involved in a car accident, your insurance will likely cover the damages and medical expenses. However, it’s important to understand the difference between bodily injury and personal injury car insurance coverage to make sure you have the right protection.
What is Bodily Injury Car Insurance?
Bodily injury car insurance covers the medical expenses and damages incurred by other people if you are at fault in an accident. This type of insurance is required in most states, and it typically includes coverage for:
- Medical expenses
- Lost wages
- Pain and suffering
- Legal fees
The coverage limits for bodily injury car insurance vary depending on your policy and the state you live in. It’s important to have enough coverage to protect your assets in case you are sued for damages.
What is Personal Injury Car Insurance?
Personal injury car insurance covers the medical expenses and damages incurred by you and your passengers if you are at fault in an accident. This type of insurance is not required in all states, but it’s a good idea to have it to protect yourself and your passengers.
Personal injury car insurance typically includes coverage for:
- Medical expenses
- Lost wages
- Pain and suffering
- Legal fees
The coverage limits for personal injury car insurance also vary depending on your policy and the state you live in. It’s important to have enough coverage to cover your medical expenses and lost wages in case you are injured in an accident.
What is the Difference Between Bodily Injury and Personal Injury Car Insurance?
The main difference between bodily injury and personal injury car insurance is who is covered. Bodily injury car insurance covers the medical expenses and damages incurred by other people if you are at fault in an accident, while personal injury car insurance covers your own medical expenses and damages if you are at fault in an accident.
Another difference is that bodily injury car insurance is required in most states, while personal injury car insurance is not. However, it’s a good idea to have both types of insurance to protect yourself and your passengers.
How Much Bodily Injury and Personal Injury Car Insurance Should You Have?
The amount of bodily injury and personal injury car insurance you should have depends on your assets and your risk tolerance. If you have a lot of assets, you should have higher coverage limits to protect yourself in case you are sued for damages. If you have a low risk tolerance, you should have higher coverage limits to protect yourself and your passengers in case you are injured in an accident.
It’s a good idea to talk to an insurance agent to determine how much bodily injury and personal injury car insurance you should have based on your individual needs.
Conclusion
Understanding the difference between bodily injury and personal injury car insurance is important to make sure you have the right protection in case of an accident. Bodily injury car insurance covers the medical expenses and damages incurred by other people if you are at fault in an accident, while personal injury car insurance covers your own medical expenses and damages if you are at fault in an accident. It’s a good idea to have both types of insurance to protect yourself and your passengers, and to talk to an insurance agent to determine how much coverage you should have based on your individual needs.
