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Financial protection is essential when operating a vehicle, which makes bodily injury coverage necessary. However, there are different factors to consider when choosing the policy that suits you best. The amount of coverage is one of the most important, and below are a few things to consider when selecting the right amount.
What’s Covered?
When deciding, take into consideration what the policy covers. It should be for the medical expenses of the other driver, the other vehicle’s passengers, and pedestrians your accident may have harmed. However, if these individuals experience a loss of income due to the at-fault injury, the bodily insurance coverage will apply to the financial loss when those individuals are unable to work.
Fatalities can occur in some accidents, and a bodily liability insurance claim should include funeral costs. You may also be responsible for paying the expenses related to long-lasting emotional, physical, and mental trauma, which can cause pain and suffering. Therefore, when they choose car insurance, Chula Vista drivers should select the best coverage amount to meet all these requirements for at-fault accidents and injuries.
The Best Amount
The minimum coverage amount is generally $15,000 per individual and $30,000 per accident, but this will vary from state to state. Speak with an auto insurance provider to learn more about state and local minimum requirements.
Keep in mind the minimum amounts aren’t always the best and could lead to problems for at-fault drivers in the future. Therefore, many vehicle owners select up to $100,000 per person and up to $300,000 per accident.
You can go higher if your insurance provider allows you to do so. Most insurance companies don’t approve bodily liability coverage over $500,000.
Personal Medical Expenses
If you’re at fault in an accident, bodily injury coverage will apply to the medical expenses of the other vehicle’s passengers as well as pedestrians. However, this policy excludes coverage for your personal injuries and medical insurance. Therefore, make sure you have full coverage for situations like these.
If the other driver is at fault, his or her insurer could be required to pay for your medical expenses. You must file a claim in this situation to see what you may receive in terms of compensation for your costs and those of other passengers.
Selecting the Best Coverage Option
Failing to meet liability limits to cover costs after an accident could lead to lawsuits, especially since bodily insurance coverage doesn’t apply to repairs and property damage. Therefore, it’s often best to select a limit high enough to protect you and your assets when you’re at fault for an accident and injuries. Besides covering your net worth, you need to verify your coverage meets insurance requirements so you don’t experience driver’s license suspension, fines, or more.
It’s always best to speak with a qualified insurance coverage provider to ensure you select the best option. Make sure you’re up to date and meet local, state, and federal auto insurance requirements, and keep yourself, other passengers, and your property safe and secure at all times.
Whether you need reliable, affordable auto coverage or dependable business, homeowners, or renters insurance, turn to Altra Insurance Services. For high-quality coverage and outstanding customer service, reach out to our experienced agents. Give us a call today to learn how you can save money on all your insurance needs.