Bodily injury insurance covers hospital expenses and emergency care associated with the accident. For some claims, you can also cover follow-up visits and equipment costs (such as crutches). Bodily injury liability coverage applies to injuries that you, the designated driver, or the policyholder, cause to another person. You and your family members listed on the policy are also covered when you drive someone else's car with your permit.
A personal injury certainly sounds like an injury that happens to you or even another person; in fact, this type of insurance can often be confused with personal injury or personal liability insurance. In legal terms, you might see bodily injury being included as a type of personal injury, but that's generally not the case in the insurance industry. Personal and advertising injuries are often violations of the personal or intellectual rights of a person or company. Contact your American Family Insurance agent for more information on how to add personal injury insurance to your homeowners insurance policy.
Bodily injury liability coverage pays for injuries to other drivers and passengers when the policyholder is at fault in an accident. Personal crime insurance is actually additional coverage that you can buy in your homeowner's insurance that will help protect you against personal crime charges. A television ad that slanders a competitor would be considered both a personal injury and an advertising injury. Personal liability coverage under your homeowner's policy provides coverage to pay for claims for bodily injury and property damage suffered by third parties for which you or the covered residents of your home are legally responsible.
Personal injury is an act that violates the rights of a person or company, excluding bodily injury (physical harm). Everyone who drives a vehicle needs personal injury liability insurance to protect them if their vehicles cause injury or death to another person. In car insurance, the difference between medical payments and bodily injury coverage is that medical payment insurance (MedPay) covers the policyholder, while bodily injury coverage applies to a third party. Suppose the other person suffers an injury that interferes with their ability to work, may work in a physically demanding environment, or need several months of rehabilitation.
Personal and advertising injuries are categories of damages for which general liability insurance and business owner's policies (BOP) provide coverage. If the cost of a personal injury or property damage liability claim exceeds the limits of your policy, you can be left personally responsible for covering the remaining amount. Split limits are two numbers that describe the maximum pay per person and the maximum pay for all injuries in an accident. Keep in mind that personal injury liability policies have limits on how much you will pay per person per accident.