Insurance Basics

Coverage Definitions for Auto Insurance

Bodily Injury Liability

Coverage when other people are injured by your car and it's determined you are at fault. Other people include pedestrians, passengers, and people in other vehicles. Bodily Injury coverage does not cover your injuries, which are covered by the Medical Payments portion of your policy. By law, your policy must provide at least:

$15,000 for the injury or death of one person $30,000 for the injury or death of two or more persons

You may wish to purchase higher limits than those required by law. This coverage protects you and your family against suits for damage or injury that you may have caused. If an insufficient amount of insurance has been purchased, you can still be held liable for the remainder of the costs.

Property Damage Liability

Applies if you damage someone else's property such as a vehicle, lamp post, telephone pole or building with your car and you are at fault. By law, your policy must provide at least:

$10,000 for property damage

You may wish to purchase higher limits than those required by law. This coverage protects you and your family against suits for damage or injury that
you may have caused. If an insufficient amount of insurance has been purchased, you can still be held liable for the remainder of the costs.