Insurance Concept of the Week: Bodily Injury Liability

Each week we will post and define an industry term or concept for our readers.

Our article on the passing of Daniel's Law earlier in the week (link here) looked at new legislation that will provide stricter penalties in PA for accidents that are the result of texting while driving. Bodily injury liability is a required coverage in PA, and relates to the aforementioned blog post.

Bodily injury liability pays others when an insured is responsible for causing injuries; these can include medical, rehabilitation expenses, and non-economic damages. The state-required minimums for this coverage are $15,000 per person and $30,000 in aggregate. However, when possible, we always recommend our clients carry more than the state minimum. This is one of the most important coverages you carry to protect you and your family's personal assets.