Bodily Injury Liability: Introduction
Bodily injury liability insurance coverage covers injury-related costs of another person due to a car accident that you are involved in, where you are the at fault side.
In the case of an accident where you violate a law, not only can the other car be damaged, but the passenger of the other car may be severely hurt.
And if you violated a law, you are legally responsible for the other person's injury.
You will likely be obligated to pay their medical bills.
With bodily injury insurance applied, you will be able to mitigate these expenses.
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A lot of people ask themselves, “How much bodily injury liability insurance should I carry?”
Since bodily injury liability coverage is mandated in the vast majority of states, you’ll need to figure out how much coverage is required at minimum so that you can drive legally. If you fail to get the minimum about of bodily injury coverage, then you may end up getting your license taken away.
If you’re found driving uninsured or underinsured, you may also need SR22 insurance, also known as a certificate of financial responsibility, so that you can legally drive once again. To avoid all of the hassle and hardship this can cause, make sure that you get the minimum amount of coverage when buying car insurance.
Here’s a table that shows the minimum amount of bodily injury liability coverage required, organized by state:
State | Minimum bodily injury liability coverage |
---|---|
Alabama | $25,000 per person, $50,000 per accident |
Alaska | $50,000 per person, $100,000 per accident |
Arizona | $25,000 per person, $50,000 per accident |
Arkansas | $25,000 per person, $50,000 per accident |
California | $15,000 per person, $30,000 per accident |
Colorado | $25,000 per person, $50,000 per accident |
Connecticut | $25,000 per person, $50,000 per accident |
Delaware | $25,000 per person, $50,000 per accident |
Florida | N/A |
Georgia | $25,000 per person, $50,000 per accident |
Hawaii | $20,000 per person, $40,000 per accident |
Idaho | $25,000 per person, $50,000 per accident |
Illinois | $25,000 per person, $50,000 per accident |
Indiana | $25,000 per person, $50,000 per accident |
Iowa | $20,000 per person, $40,000 per accident |
Kansas | $25,000 per person, $50,000 per accident |
Kentucky | $25,000 per person, $50,000 per accident |
Louisiana | $15,000 per person, $30,000 per accident |
Maine | $50,000 per person, $100,000 per accident |
Maryland | $30,000 per person, $60,000 per accident |
Massachusetts | $20,000 per person, $40,000 per accident |
Michigan | $50,000 per person, $100,000 per accident |
Minnesota | $30,000 per person, $60,000 per accident |
Mississippi | $25,000 per person, $50,000 per accident |
Missouri | $25,000 per person, $50,000 per accident |
Montana | $25,000 per person, $50,000 per accident |
Nebraska | $25,000 per person, $50,000 per accident |
Nevada | $25,000 per person, $50,000 per accident |
New Hampshire | $25,000 per person, $50,000 per accident |
New Jersey | N/A |
New Mexico | $25,000 per person, $50,000 per accident |
New York | $25,000 per person, $50,000 per accident |
North Carolina | $30,000 per person, $60,000 per accident |
North Dakota | $25,000 per person, $50,000 per accident |
Ohio | $25,000 per person, $50,000 per accident |
Oklahoma | $25,000 per person, $50,000 per accident |
Oregon | $25,000 per person, $50,000 per accident |
Pennsylvania | $15,000 per person, $30,000 per accident |
Rhode Island | $25,000 per person, $50,000 per accident |
South Carolina | $25,000 per person, $50,000 per accident |
South Dakota | $25,000 per person, $50,000 per accident |
Tennessee | $25,000 per person, $50,000 per accident |
Texas | $30,000 per person, $60,000 per accident |
Utah | $25,000 per person, $65,000 per accident |
Vermont | $25,000 per person, $50,000 per accident |
Virginia | $25,000 per person, $50,000 per accident |
Washington | $25,000 per person, $50,000 per accident |
West Virginia | $25,000 per person, $50,000 per accident |
Wisconsin | $25,000 per person, $50,000 per accident |
Wyoming | $25,000 per person, $50,000 per accident |
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I was hopeful about going with Travelers. My cousin oversees the building of large hotels (the W and Virgin in Nashville) and told me that is who he had used commercially. But after having roof damage from a storm, I have had a really bad experience. From the very first person I dealt with, it became quickly clear from my first dealings and was confirmed throughout the process, is how little they care about the people they insure and how they truly want to pay as little as possible. While my neighbors were having positive experiences with their insurance companies after the storm, mine has been terrible. I would highly recommend staying far away from Travelers Insurance and going with literally anyone else but them. —Jason McAnally
AAA is only good if you never have to use them. My daughter was borrowing my car and got hit by a hit-and-run driver who left the scene. AAA would not pay for damages on my car because she was not on the policy and I didn't have full coverage on my car I did have uninsured motorists but they still would not pay the claim so I have a wrecked car and now AAA is canceling my insurance What a waste of time and money. We reported to insurance board and still nothing was done. I'm going back to allstate, atleast they pay claims.
The quote they gave me was not the correct price. it turned out to be twice the amount they said. Plus the agency is in California 1500 miles away and I received bad customer service.
Horrible, we are DRIV3 Rentals a Car Rental Company in Los Angeles California. One of our clients purchased a Bonzah policy to rent a vehicle from us. An accident occurred where there has been significant damage to our 2021 BMW M4, we proceeded to file a claim with Bonzah. Let me just say the way this company handles claims is from the stone age. They do not contact you anywhere except emails. Our company has been in a 100+ email chain with Paul and Art from Bonzah for at least a month. They have confused our claim with other claims and at times just simply not responded back at all. We supplied all the necessary information needed for the claim and everything seemed ok. Fast forward to last week out of no where Paul stops answering so we call him over and over until he answers at this point he not once told us this by the way that they pulled the police report and our driver isn't listed, this is false as I immediately went to the LAPD police station and found out the report Paul pulled was filed online from one of the other drivers and not an official report from the officer on the scene, the officer on the scene made a statement in which debunks that whole claim and in fact our driver was the driver. I have never in my 20 years in the auto industry been accused of anything like this furthermore Paul stating that oh we don't know if your driver knows the other driver and they could have planned this. Insane really, Paul stated that if we could get a statement from the officer he would expedite our claim and damages check, Paul, Art and Bonzah has since started to ignore us. They don't answer calls, emails, text messages anything for almost 2 weeks now. How ironic that once we debunk their claim of our client not being the driver they stop responding. Don't use this company, stay far away.
We have been with progressive for 18+ but Have to give a one star with this experience. We hit a big rock on the highway. Randell Fergen repair rep . argued with me; claimed I was off roading in my car, which I have never done . Randell told me “this was not an isolated incident”. Because my other wheels had scratches according to him. The auto shop they picked and Randell told me it the wheel just needs a balance . Randell quoted me the price I would have to pay for the balance. I took the car to Discount Tire since the balance is covered. Discount told me “the wheel is bend badly” We called back to the rep Kiera Washington to update her and ask for a new repair rep. She said she could not and when I asked to speak to her supervisor she said “ I’m not dealing with you” and hung up on me ????