Motor Vehicle Accidents: Everything You Need to Know About Bodily Injury Liability Insurance



Global motor vehicle accident statistics show that 1.25 million people in the world die in road accidents every year. And, between 20 and 50 million people are injured or disabled. By breaking down these statistics by country, it is vital to note that, in the United States of America, more than thirty-seven thousand people die annually in road accidents. And, circa 2.35 million people are injured or disabled.

Thus, according to 2013 statistics, the risk of being killed in a car accident, or dying as a result of an injury caused by a car crash is 1:77. IN other words one in every seventy-seven people on the US roads at any given moment will die as a consequence of a car accident.

Bodily injury liability insurance: What, why, and how?

Before we at the consequences of a motor vehicle accident to the US insurance requirements, let’s look at a succinct definition of what bodily injury liability insurance is:

According to and echoed by the Naqvi injury lawyers, bodily injury liability insurance is “car insurance coverage that pays for injuries a driver causes to… other drivers, passengers, and pedestrians.” This includes “medical expenses… lost wages… [and] …legal and funeral expenses.”

As an aside, every US state with the exception of New Hampshire and Florida requires drivers or car owners to have bodily injury liability insurance.

The pertinent issue here is that this insurance only becomes available when you as the driver of a vehicle cause an accident. You cannot claim from your insurance policy if you are involved in an accident caused by another driver.

Bodily injury liability insurance: A case study

Possibly the best way to describe this insurance’s function is to look at the following case study:

Let’s assume for a moment that you were driving in a rainstorm, went through a deep puddle of water, lost control of the vehicle, and slid into the back and side of a vehicle in the next lane slightly ahead of you. Because you went into the back of another vehicle, your insurance company will assign the blame or fault for the accident to you.

Also, let’s assume that the car you hit had three occupants, one driver, and two passengers. And, the passenger in the back seat was caught in the area between the two cars as they collided and suffered a compound fracture of the tibia and fibula of the left leg which needed more than one surgery to repair.

Because the accident is your fault, your bodily injury liability insurance will pay for the injured person’s medical bills. The caveat here is that there is a cap on the payout for the medical bills. It stops when the medical costs have reached the maximum amount allowed by your policy.

Because of the seriousness of the injury, and the time that is taken off work to recover, your insurance policy will also cover the lost wages suffered as a result of the accident.

Also, if more than one person is injured as a consequence of this accident, your insurance company will cover the total cost of everyone’s injuries up to a specific cap. Thus, while bodily injury liability insurance is useful in the event of an accident if, at all possible, it is far better to drive defensively to avoid such incidents from occurring.


Leave a Reply