Bodily Injury Vs Personal Injury Car Insurance

Understanding the Difference Between Bodily Injury and Personal Injury Car Insurance

When it comes to car insurance, there are a lot of terms and phrases that can be confusing. Two that many people struggle to understand the difference between are bodily injury and personal injury car insurance. Knowing the difference between these two types of insurance policies is essential to making sure that you have the coverage you need.

What is Bodily Injury Car Insurance?

Bodily injury car insurance covers medical expenses, lost wages, and pain and suffering for injuries that occur as a result of an accident involving your vehicle. It also covers costs associated with defending yourself in a lawsuit or paying a settlement if you are found at fault for an accident. Bodily injury coverage is sometimes referred to as BI or bodily liability coverage.

What is Personal Injury Car Insurance?

Personal injury car insurance is a type of coverage that covers medical expenses, lost wages, and pain and suffering for injuries that occur as a result of an accident involving your vehicle. It does not, however, cover legal costs associated with defending yourself in a lawsuit or paying a settlement if you are found at fault for an accident. Personal injury coverage is sometimes referred to as PIP or personal injury protection.

Comparing Bodily Injury and Personal Injury Coverage

Bodily injury car insurance and personal injury car insurance are similar in that they both cover medical expenses, lost wages, and pain and suffering that result from an accident. However, the two are different in that bodily injury coverage also covers legal costs associated with defending yourself in a lawsuit or paying a settlement if you are found at fault for an accident. Personal injury coverage does not provide this protection.

Which Type of Coverage is Right for Me?

The type of coverage that is right for you will depend on your individual needs and situation. If you are concerned about being sued for damages in an accident, then you may want to consider purchasing both bodily injury and personal injury coverage. This will provide you with the protection you need in case you are found at fault for an accident.

Conclusion

Understanding the difference between bodily injury and personal injury car insurance is essential to making sure that you have the coverage you need. Bodily injury car insurance covers medical expenses, lost wages, and pain and suffering for injuries that occur as a result of an accident involving your vehicle, and it also covers legal costs associated with defending yourself in a lawsuit or paying a settlement if you are found at fault for an accident. Personal injury car insurance, on the other hand, only covers medical expenses, lost wages, and pain and suffering for injuries that occur as a result of an accident involving your vehicle, and does not cover legal costs. Depending on your individual needs and situation, you may want to consider purchasing both types of coverage to provide yourself with the protection you need.