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Q

An insurance policy in California with bodily injury coverage covers what?


A

The minimum insurance auto insurance coverage required in California is known as 15/30/5 worth of Bodily Injury and Property Damage liability. This breaks down to $15,000 for injury/death to one person, $30,000 for injury/death to more than one person and $5,000 for damage to property.

When your car is in an accident for which you are found legally liable, Bodily Injury (BI) Liability covers your liability to others for injuries to them. Property Damage (PD) Liability covers your liability for damage to someone else's property.

Bodily Injury is defined by the CA Department of Insurance as any physical injury to a person. The purpose of liability insurance is to cover bodily injury to a third party resulting from the negligent or unintentional acts of an insured.

When you have a California auto insurance policy with Bodily Injury coverage, which you must as part of a basic car insurance policy in this state, than it covers those that you injure in a motor vehicle accident with your insured vehicle. The coverage typically pays out as a third party claim to the hurt party their medical bills, related expenses and possibly pain and suffering.

So with a California car insurance policy if the policyholder, or another driver covered by the policy, is found to be at fault in an accident resulting in injuries or fatalities, the following is usually covered under Bodily Injury coverage:

  • Medical expenses
  • Lost wages
  • Pain and suffering
  • Legal defense if the drivers listed on the policy are involved in a lawsuit resulting from a car accident.

You can read through the terms of your CA policy to see specifically what it says your BI coverage covers. If you are looking for a California car insurance policy you can click here for a quote from an auto insurance specialist.


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