What is liabilitybodily injury insurance

Personal umbrella insurance is a way to purchase extra liability coverage that goes above liability limits in another insurance policy. That means if you cause an accident and reach your auto policy's liability limits, the umbrella policy would kick in to help pay the remaining covered costs..

A personal umbrella policy would help cover those additional costs, up to the policy's limit. Liability coverage has two components: bodily injury liability and property damage liability. Both coverages are required by law in most states. If you need help understanding your state's bodily injury liability coverage limits, talk to a local agent.

They can help you customize a policy and choose limits that fit your personal needs. What Is Collision Insurance? What Is Comprehensive Insurance? Retrieve a saved quote. Skip to main content Explore Allstate. Popular Searches. Allstate We help customers realize their hopes and dreams by providing the best products and services to protect them from life's uncertainties and prepare them for the future.

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Get a quote Find an agent. If you are at fault for an accident that injures someone else, bodily injury liability coverage may help pay for the following three types of costs: Medical expenses: Bodily injury liability insurance helps pay for someone else's emergency services and hospital care if you cause a car accident.

Property damage liability coverage helps pay for damage you cause to another person's vehicle or property. For example, if you hit someone else's car, mailbox or front porch with your car, property damage liability coverage may help pay to repair their property.

And, like bodily injury liability, most states require you to carry a minimum limit of property damage liability coverage. Bodily injury liability coverage helps pay for another person's expenses if you injure them in a car accident.

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The information on this site does not modify any insurance policy terms in any way. When you are responsible for injuries to a person in an accident, the bodily injury liability part of your automobile insurance policy will pay the amount of your liability to the injured person.

Additionally, if you are sued for your part in an accident, your bodily injury liability insurance will pay your costs to defend yourself. These amounts include attorneys fees and court costs. When you are at fault for an accident, your bodily injury liability coverage helps pay the medical expenses of the other motorist and their passengers. The coverage covers everyone listed on your policy as a designated driver who operates the covered vehicle. Like all car insurance coverages, bodily injury liability coverage helps protect your assets.

Access your policy online to pay a bill, make a change, or just get some information. If your policy is with Jewelers Mutual Insurance Group, log in or call For all other policies, call or log in to your current Homeowners , Renters , or Condo policy to review your policy and contact a customer service agent to discuss your jewelry insurance options. Login for quick access to your previous policy, where all of your vehicle information is saved.

With just a few clicks you can look up the GEICO Insurance Agency partner your insurance policy is with to find policy service options and contact information. GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website. This coverage is required by most states to legally drive your vehicle. Property damage covers damage to the other party's property.

This could include damage to vehicles, a yard, light pole, or other property damaged because of the accident. Other things may include:. Bodily injury covers injuries sustained by another person because of the accident. This can include:. Liability coverage helps cover damages you're responsible for to another party because of an accident.

That means it doesn't cover damages to your property or your injuries. Your damages are injuries are protected under other coverages such as:. The cost of liability insurance coverage as part of your auto insurance policy depends on many factors. This can include things like how much coverage you select. For example, higher coverage limits may cost more. Most states not all require liability insurance to legally drive your vehicle.

The required limits vary by state. You will check out your state on the state information pages. Liability insurance also helps protect you, up to your limits, by paying for covered damages and injuries in at-fault accidents.

These are amounts you may have to pay out of pocket if you don't have enough liability coverage. Liability coverage should be customized to fit your needs. It's not one-size-fits-all. Our coverage calculator can help you walk through a few questions and provide you with a recommendation. You may also want to consider an umbrella policy which provides additional coverage for more serious accidents and lawsuits.