Automobile bodily injury liability or Bodily Injury Liability protects the driver in the event that they injure third parties. It is vital that you recognize the importance of this policy, as you may find yourself in a situation where you need it.
If you, as a driver, cause any type of damage to the aforementioned parties, you will have problems. Of course, everything would be very different if you visit us at Dulcinea Insurance and enroll in an automobile liability plan. Call us at 786-910-9487 and present your case to our specialized agents.
Why is civil liability so important in car insurance?
One of the most relevant aspects of car insurance is, without a doubt, civil liability. This liability obliges the policyholder to compensate the damaged third party. The civil liability of the car driver and owner is fully covered.
Bodily Injury Liability protection is not mandatory in the state of Florida. Rather, it applies to people who lease a car or purchase a car from a dealership. In this case, it is the entity selling or leasing the car (the dealer) that requires the buyer to have liability insurance as a mechanism to protect the purchase against vulnerabilities from potential lawsuits.
According to the Florida Highway Safety and Motor Vehicles, the minimum required Bodily Injury coverage for a car is 10,000/20,000.
¿Does Bodily Injury liability coverage protect me if I'm at fault?
Body Injury Liability is designed to protect the health and body of the other car's driver. So, if you are driving and cause injury to another person in an accident, BI insurance will protect that other person. This way, you protect yourself from potential lawsuits.
On the other hand, if you harm your own health, Liability insurance will not cover you, since, as we already mentioned, it is designed to cover the other driver. So, what insurance would cover your own health? This is what the PIP (Personal Injury Protection) is designed for, which is the basic protection required in the state of Florida.
In other words, with PIP insurance you protect your health as a driver and the other person's car. And with Liability or Bodily Injury Liability, you protect the other person's health. And that brings up the next question: How do you protect your own car?: Well, with Collision and Comprehensive protection.
What are the types of liability insurance coverage?
The first case relates to mandatory civil liability coverage. Here, only damages and injuries to the car and people are covered. As we have already mentioned, if you need liability coverage, the minimum coverage is $10,000/$20,000. But this can be much higher. Especially for leased cars or those obtained through three-year loans, the required bodily injury coverage is $100,000/$300,000.
Certainly, at Dulcinea Insurance, we always ask clients about the properties they own for their businesses and savings accounts. And this is very simple: a person who has assets to protect should have Bodily Injury Liability coverage for a very straightforward reason. In the event that you cause harm to another person's health or body, the other person's insurance will first go after the at-fault party's insurance, which in this case would be yours. And if you are not protected by liability insurance, then the other person's insurance will seek to have you pay for the damages incurred out of your own pocket. And if you don't want to pay, then all your properties and assets are at risk, as they will be the first things the other company will use as collateral to assert that you can indeed pay for those damages.
Do not put off enrolling in this type of protection. Remember, it is essential that you understand its inner workings before signing the contract. Therefore, we suggest calling us at our offices at 786-910-9487. Dulcinea Insurance provides the protection you need. Get in touch right now and become an insured individual.