Why do we need Bodily Injury(BI) Coverage?

We get that question all the time!  Why do we need BI coverage if we have no-fault? First, let's understand what it does, and then we can discuss why we need it.

What does Bodily Injury really do for me?  The short answer is: it isn't for you it's for the person(s) that you injure.   The law limits the damages that can be claimed against drivers as the result of an automobile accident, except in certain situations. The residual bodily injury portion of an automobile insurance policy will pay up to a policyholder’s coverage limit amounts if they are found legally responsible for damages in these situations. These amounts have been increased under the new law.

The new default BI/PD coverage limits are:

• Up to $250,000 for a person who is hurt or killed in an accident.
• Up to $500,000 for each accident if several people are hurt or killed.
• Up to $10,000 for property damage in another state.

Drivers may have the option of purchasing other BI/PD coverage limits. However, the lowest limit they may purchase is:

• Up to $50,000 for a person who is hurt or killed in an accident.
• Up to $100,000 for each accident if several people are hurt or killed.
• Up to $10,000 for property damage in another state.

We encourage you to talk to one of our licensed specialists about the options that are available.