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.