What is Bodily Injury Insurance in Colorado?
Reader’s Question:
I am familiar with liability auto insurance and comprehensive auto insurance here in Pueblo, Colorado CO. But does anyone know what is bodily injury insurance?
Katie
Pueblo, CO
Sure Katie,
Glad to help. In today’s litigious society, most states now require operators to carry auto liability insurance coverage. Different states set different minimal coverage limits. Bodily injury insurance falls within the scope of your liability insurance. Bodily injury insurance covers all medical expenses, hospital expenses and rehabilitation expenses for all parties injured in an auto accident.
Whatever the minimum bodily injury limits set by the state in which you reside will be the maximum amount of the bodily injury coverage in your standard auto insurance liability policy. Generally there is an individual limit and also a total composite maximum exposure figure. This is the bodily injury coverage available for payments to all injured parties.
These days many bodily injury policies are upgraded by policyholders. This is a topic to discuss with your insurance agent in Pueblo, Colorado CO. He may cite some cases and statistics that will interest you. He will also furnish premium pricing for this additional bodily injury endorsement. Or you can start taking advantage of services offered by insurance websites like this one, which can give you free quotes online using the relevant form.
