{"id":2544,"date":"2021-05-19T18:22:09","date_gmt":"2021-05-19T18:22:09","guid":{"rendered":"https:\/\/www.mesrianilaw.com\/what-does-bodily-injury-liability-insurance-cover\/"},"modified":"2025-07-20T09:50:27","modified_gmt":"2025-07-20T09:50:27","slug":"what-does-bodily-injury-liability-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.mesrianilaw.com\/blog\/what-does-bodily-injury-liability-insurance-cover\/","title":{"rendered":"What Does Bodily Injury Liability Insurance Cover?"},"content":{"rendered":"<p>California drivers are required by law to carry bodily injury liability insurance. If the driver causes an accident, this insurance will pay for the other party\u2019s expenses. This typically includes medical expenses and other damages.<\/p>\n<p>Common examples of losses covered can include but are not limited to:<\/p>\n<ul class=\"imptoo\">\n<li>Doctor bills<\/li>\n<li>Hospital bills<\/li>\n<li>Emergency room bills<\/li>\n<li>X-rays or MRIs<\/li>\n<li>Ambulance bills<\/li>\n<li>Chiropractor bills<\/li>\n<li>Occupational or physical therapy<\/li>\n<li>Short or long-term care<\/li>\n<li>Dental expenses<\/li>\n<li>Funeral expenses<\/li>\n<\/ul>\n<p>If the injured person cannot work due to an injury, bodily injury liability can cover their past lost wages or future earning capacity.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>How Much Coverage Do I Need?<\/strong><\/h2>\n<p>When selecting bodily injury liability coverage, state laws generally dictate a minimum coverage limit a driver must carry. In California, drivers must carry a minimum bodily injury liability of:<\/p>\n<ul class=\"imptoo\">\n<li>$15,000 per death or bodily injury of one person<\/li>\n<li>$30,000 per accident \/ for bodily injury of all people hurt or killed<\/li>\n<\/ul>\n<p>Bodily injury liability insurance only pays damages up to the policy limit. Expenses that exceed the policy limit will need to be paid out of pocket by the driver. To help with this issue, drivers have the option to select a higher policy limit (if offered by their insurance company). Drivers who select higher policy limits have more financial protection in the event of an accident.<strong>\u00a0<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>What Doesn\u2019t Bodily Injury Liability Cover?<\/strong><strong>\u00a0<\/strong><\/h2>\n<p>As mentioned, bodily injury liability insurance only overs expenses up to your policy limit. That means the insurance doesn\u2019t any cover costs above it.<\/p>\n<p>Additionally, the insurance also doesn\u2019t cover any property damage such as car repair bills and damages to gates or fences. For this, will need to have another type of coverage called property damage liability insurance.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Am I Required to Have Property Damage Liability Insurance?<\/strong><\/h2>\n<p>Yes, in addition to bodily injury liability insurance, California drivers are required to carry property damage liability insurance to cover losses associated with property damage. The minimum coverage you\u2019ll need is:<\/p>\n<ul class=\"imptoo\">\n<li>$15,000 for bodily injury to one person<\/li>\n<li>$30,000 for bodily injury to more than one person<\/li>\n<li>$5,000 for property damage<\/li>\n<\/ul>\n<p>Drivers have the option of selecting higher policy limits but must carry minimum coverage per state requirements.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Should I Hire a Lawyer for my Accident Case?<\/strong><\/h2>\n<p>Insurance adjusters aren\u2019t interested in getting you the largest personal injury settlement amount for your case. Alternatively, they may try to downplay your injuries so they can pay out as little as possible.<\/p>\n<p>If you\u2019ve been injured in an accident, hiring an attorney is the best way to ensure that your interests are protected. Our experienced California accident lawyers will investigate your case and make sure you get the justice you deserve.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Speak with a California Attorney Today<\/strong><\/h2>\n<p>If you or someone you know has been injured in an accident, don\u2019t wait to contact Mesriani Law Group today. With over 20 years of personal injury experience, we\u2019re confident that we can help you with your situation. We offer all clients a No Win No Fee policy \u2013 that means if we don\u2019t win your claim, you don\u2019t pay us anything. Contact our office today for your free legal consultation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>California drivers are required by law to carry bodily injury liability insurance. If the driver causes an accident, this insurance will pay [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2545,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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