« All FAQ About Auto Accidents

What is BI or Bodily Injury Coverage?

Bodily injury coverage will compensate for an injury to your body or death when the other driver in a vehicle accident is found to be at fault. Regardless of the extent of the injuries, the insurance company of the at-fault party will still only pay up to the limits of liability provided in its policy. For example, if the BI limits are $35,000/$60,000 the insurance company would only pay for damages up to $35,000.00 per person injured and a total of $60,000.00 for any number of persons injured in the accident. When the injury damages are in excess of the limits of liability, the other at-fault driver or owner is personally responsible for those excess damages.

Related Questions:

Is a traffic ticket admissible in court?

No.  Whether a ticket is issued, to whom it is issued, and what that person does with the ticket, i.e., pays it, disputes it, etc., is all inadmissible in court.  It is only the testimony of the parties involved and witness testimony, if applicable, that will be considered by the court in determining who is… read more?

How do I get a rental car after a car accident?

If the other driver is at-fault and his/her insurance company accepts liability, then the at-fault driver’s insurance company should provide you with a rental vehicle during the time your vehicle is being repaired or until you receive a check for the value of the vehicle.  An issue can sometimes arise when the other driver’s insurance… read more?

What happens if an uninsured driver hits me?

Picture this: You’re sitting in your vehicle at a stoplight, patiently waiting for it to change to green. You notice a car in front of you, a car behind you, and one on either side of you. Out of those four vehicles, chances are, one is uninsured and the others may be underinsured, meaning they… read more?