As a Texan car owner, it is important to understand the local laws regarding car insurance coverage. One of the most crucial aspects of car insurance is bodily injury coverage, which protects you and others in case of an accident.
In this blog post, we will dive into bodily injury coverage and how it differs from property damage liability insurance.
What Is a Bodily Injury?
Bodily injury, as the name suggests, refers to physical harm caused to an individual in an accident for which you are deemed responsible. It is important to note that the injury can be either temporary or permanent and result in loss of life.
In simpler terms, any injury requiring medical attention or resulting in death falls under bodily injury.
What Does Bodily Injury Liability Cover?
Bodily injury liability insurance (BI) pays for the medical expenses of the person(s) injured in a car accident for which you are deemed liable. It covers a range of fees starting from:
- Medical treatment
- Hospitalization
- Rehabilitation costs
- Lost wages
- Legal expenses
- Funeral costs
The minimum bodily injury liability coverage required in Texas is $30,000 per injured person and $60,000 per accident. However, getting more than the minimum is always recommended to ensure you are fully covered.
Remember, bodily injury liability coverage doesn’t pay for your medical expenses or lost income if you caused the accident.
Bodily Injury vs. Property Damage Liability Insurance
While bodily injury refers to physical harm caused to individuals, property damage liability insurance covers any damage caused to the other party’s property in an accident, including their vehicle, fences, gardens, or even their home.
Unlike bodily injury, which has a set minimum insurance requirement, property damage liability insurance does not have a specific minimum. However, it is still vital to have adequate coverage to avoid personal liability.
Does Car Insurance Cover Damage on Private Property?
Yes, car insurance covers property damage, but this can vary depending on your policy type.
Comprehensive car insurance coverage, for example, covers a wide range of damages, including theft, vandalism, or weather-related incidents, while liability insurance only covers the damage you caused to the other party’s property.
Rely on Pronto Insurance
At Pronto Insurance, we understand the importance of adequate car insurance coverage, especially bodily injury liability insurance.
Our advisors possess the expertise and knowledge to help you determine the best solution to fit your needs at the most competitive rates. We offer personalized solutions and a free, no-obligation quote to help you identify the best coverage.
Explore our package options and contact us to clarify any questions. We will be more than happy to assist you.
