What drivers need to know about bodily injury liability insurance.
As a driver, you understand that it is your responsibility to secure auto insurance in Astoria, New York. One of the state-mandated coverages that you need in order to drive is bodily injury liability insurance. But what does this insurance cover, and how much do you need? Here’s what you need to know.
Bodily Injury Liability Coverages
Bodily injury liability insurance is designed to cover a variety of expenses. For instance, this type of insurance will offer coverage for the medical treatments that injured parties might require after being involved in an accident with you. This includes coverage for hospitalization, skilled nursing care, surgery, therapy, and so on. Additionally, if the affected party is forced to miss work due to their injuries, then bodily injury liability insurance can cover some of their lost wages. Your bodily injury liability insurance will also cover funeral and burial expenses in the event that an auto accident proves fatal. Finally, should the affected party sue you for damages, then this insurance can be used to cover your legal fees.
While bodily injury liability insurance offers a pretty comprehensive set of coverages, it is not all-encompassing. Here are some of the major things that this type of insurance will not cover:
- Repair costs for the vehicle or property that you hit
- Your repair costs
- Your medical treatment or the treatment of your passengers
- Any collisions deemed intentional
Required Coverage Limits
In the state of New York, drivers are required to carry a minimum of $25,000 for bodily injury and $50,000 for death for a person involved in an accident. You must also carry $50,000 for bodily injury and $100,000 for death for two or more people in an accident. You must maintain this coverage while your vehicle registration is valid, even if you are not currently using the car.
This is what you need to know about bodily injury liability insurance. Do you have further questions about your auto insurance in Astoria, New York? If so, then contact the experts at 01 Insurance. We are ready to assist you with all your car coverage needs today.