{"id":387,"date":"2020-03-23T20:09:16","date_gmt":"2020-03-23T20:09:16","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=387"},"modified":"2023-04-12T22:10:42","modified_gmt":"2023-04-12T22:10:42","slug":"car-insurance-cover-bodily-injury","status":"publish","type":"post","link":"https:\/\/www.prontoinsurance.com\/blog\/car-insurance-cover-bodily-injury\/","title":{"rendered":"Does Car Insurance Cover Bodily Injury?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">As a Texan car owner, it is important to understand the local laws regarding car insurance coverage. One of the most crucial aspects of car insurance is bodily injury coverage, which protects you and others in case of an accident.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this blog post, we will dive into bodily injury coverage and how it differs from property damage liability insurance.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Is a Bodily Injury?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bodily injury, as the name suggests, refers to physical harm caused to an individual in an accident for which you are deemed responsible. It is important to note that the injury can be either temporary or permanent and result in loss of life.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In simpler terms, any injury requiring medical attention or resulting in death falls under bodily injury.<\/span><\/p>\n<p><img loading=\"lazy\" class=\"alignnone size-full wp-image-1622\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_1426522847-1.jpg\" alt=\"car accident bodily injury\" width=\"1000\" height=\"667\" srcset=\"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_1426522847-1.jpg 1000w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_1426522847-1-300x200.jpg 300w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_1426522847-1-768x512.jpg 768w\" sizes=\"(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">What Does Bodily Injury Liability Cover?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bodily injury liability insurance (BI) pays for the medical expenses of the person(s) injured in a car accident for which you are deemed liable. It covers a range of fees starting from:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical treatment\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rehabilitation costs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost wages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Funeral costs<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.tdi.texas.gov\/pubs\/consumer\/cb020.html#:~:text=Texas%20law%20requires%20you%20to,30%2F60%2F25%20coverage.\"><span style=\"font-weight: 400;\">minimum bodily injury liability coverage required in Texas<\/span><\/a><span style=\"font-weight: 400;\"> is $30,000 per injured person and $60,000 per accident. However, getting more than the minimum is always recommended to ensure you are fully covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember, bodily injury liability coverage doesn\u2019t pay for your medical expenses or lost income if you caused the accident.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Bodily Injury vs. Property Damage Liability Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While bodily injury refers to physical harm caused to individuals, property damage liability insurance covers any damage caused to the other party\u2019s property in an accident, including their vehicle, fences, gardens, or even their home.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Unlike bodily injury, which has a set minimum insurance requirement, property damage liability insurance does not have a specific minimum. However, it is still vital to have adequate coverage to avoid personal liability.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Does Car Insurance Cover Damage on Private Property?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Yes, car insurance covers property damage, but this can vary depending on your policy type.<\/span><\/p>\n<p><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/auto-insurance\"><span style=\"font-weight: 400;\">Comprehensive car insurance coverage<\/span><\/a><span style=\"font-weight: 400;\">, for example, covers a wide range of damages, including theft, vandalism, or weather-related incidents, while liability insurance only covers the damage you caused to the other party\u2019s property.<\/span><\/p>\n<p><img loading=\"lazy\" class=\"alignnone size-full wp-image-1623\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_590093969-1.jpg\" alt=\"damage on private property\" width=\"1000\" height=\"1000\" srcset=\"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_590093969-1.jpg 1000w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_590093969-1-300x300.jpg 300w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_590093969-1-150x150.jpg 150w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_590093969-1-768x768.jpg 768w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2023\/04\/shutterstock_590093969-1-100x100.jpg 100w\" sizes=\"(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" \/><\/p>\n<h2><span style=\"font-weight: 400;\">Rely on Pronto Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">At Pronto Insurance, we understand the importance of adequate car insurance coverage, especially bodily injury liability insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our advisors possess the expertise and knowledge to help you <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/compare-car-insurance-quotes\/\"><span style=\"font-weight: 400;\">determine the best solution to fit your needs at the most competitive rates<\/span><\/a><span style=\"font-weight: 400;\">. We offer personalized solutions and a free, no-obligation quote to help you identify the best coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Explore our package options and contact us to clarify any questions. We will be more than happy to assist you.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a Texan car owner, it is important to understand the local laws regarding car insurance coverage. One of the most crucial aspects of car insurance is bodily injury coverage, which protects you and others in case of an accident. In this blog post, we will dive into bodily injury coverage and how it differs &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.prontoinsurance.com\/blog\/car-insurance-cover-bodily-injury\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Does Car Insurance Cover Bodily Injury?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":388,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[5],"tags":[],"jetpack_featured_media_url":"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2020\/03\/Personal-Injury-car.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Car Insurance Cover Bodily Injury? | Pronto Insurance<\/title>\n<meta name=\"description\" content=\"Confused about what car insurance covers in case of physical injury? 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