What is the best bodily injury coverage?
The best liability coverage for most drivers is 100/300/100, which is $100,000 per person, $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability. You want to have full protection if you cause a significant amount of damage in an at-fault accident.
What is the meaning of bodily injury?
(4) the term “bodily injury” means— (A) a cut, abrasion, bruise, burn, or disfigurement; (B) physical pain; (C) illness; (D) impairment of the function of a bodily member, organ, or mental faculty; or (E) any other injury to the body, no matter how temporary.
What happens if I don’t have bodily injury coverage in Florida?
If you don't have bodily injury coverage in Florida, you are at risk of being held personally responsible for other people's medical expenses if you cause a car accident, but you will not be breaking the law. Florida does not require bodily injury liability insurance.
What is recommended bodily injury coverage in Florida?
Recommended Coverage Limits: We suggest that you buy Bodily Injury Liability coverage in the amount of $100,000 per person/$300,000 per incident (accident), at a bare minimum. However, we suggest that you buy higher limits if you have substantial assets that you want to protect.
What is the lowest bodily injury coverage?
The most common minimum BIL limit is $25,000 per person, but your state may have a different minimum.
What bodily injury coverage do I need Michigan?
Michigan auto insurance policies are required to provide bodily injury liability insurance coverage of not less than $250,000 per person and up to $500,000 per accident (“$250,000/$500,000”) for these claims unless you select higher or lower limits depending on the amount of protection you need.
What is recommended bodily injury coverage in Florida?
Recommended Coverage Limits: We suggest that you buy Bodily Injury Liability coverage in the amount of $100,000 per person/$300,000 per incident (accident), at a bare minimum. However, we suggest that you buy higher limits if you have substantial assets that you want to protect.
What happens if I don’t have bodily injury coverage in Florida?
If you don't have bodily injury coverage in Florida, you are at risk of being held personally responsible for other people's medical expenses if you cause a car accident, but you will not be breaking the law. Florida does not require bodily injury liability insurance.
What is an example of bodily injury?
Bodily injury refers to the physical damage caused to a person's body. It can also be known as physical injury. Examples of bodily injuries could include: Cuts, abrasions, bruises, burns, and lacerations.
What is the difference between bodily injury?
Bodily injury simply refers to an injury to the body. Personal injury refers to a legal claim of harm to one person that was caused by someone else's negligence or other misconduct. A bodily injury can support a personal injury claim, but so can the reputational damage caused by defamation, for example.
Do I need bodily injury coverage in Florida?
Bodily Injury Liability coverage is not required to drive an automobile in Florida legally. However, it can be if you have been convicted of a DUI. Under Florida Statue 324.023, Financial responsibility for bodily injury or death, you must have bodily injury insurance if you are convicted of a DUI.
What happens if you don’t have enough insurance to cover an accident in Florida?
Drivers who don't carry the required coverage may be subject to paying for damage to your vehicle and medical bills due to injuries, as well as face criminal consequences for failing to carry insurance while driving. The state may revoke or suspend their driver's license.
How does bodily injury coverage work in Florida?
Bodily Injury Liability (BIL) pays for injury or death to others. Judgment occurs when an at-fault party is sued in a civil court for damages caused in a motor vehicle crash and has not satisfied property damage and/or bodily injury requirements.
How much bodily injury coverage do I need in Florida?
According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability insurance. You may have a deductible of up to $1,000 for PIP coverage and $500 for property damage liability.
What’s the best bodily injury coverage?
The best liability coverage for most drivers is 100/300/100, which is $100,000 per person, $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability. You want to have full protection if you cause a significant amount of damage in an at-fault accident.
How much auto insurance should you carry in Florida?
According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability insurance. You may have a deductible of up to $1,000 for PIP coverage and $500 for property damage liability.
Do I need bodily injury insurance in Florida?
Florida Bodily Injury Liability Insurance is not required in Florida, but highly recommended. As a New Port Richey auto accident attorney with nearly 20 years experience, I can tell you that having bodily injury liability coverage is vitally important.
How much coverage do I need in Florida?
All Florida drivers must maintain a policy that meets at least the state minimum requirements. If you do not meet these minimum requirements, you cannot register your vehicle in the state. These minimums include $10,000 in personal injury protection and $10,000 in property damage coverage.