In the city of Atlanta, bodily injury is a term used most often in negligence and liability cases. Bodily injury is any physical injury, sickness or disease, including death, sustained by a person.
In the insurance world, bodily injury coverage is what will cover a person that is injured in an accident when you are found at fault. If you are sued for damages in court, this coverage will provide for your legal defense. When a person seeks damages for bodily injury after a car accident, they may be compensated for medical expenses, legal fees, lost wages, pain and suffering and funeral costs.
When a person purchases bodily injury coverage, there are two amounts on the policy. The first amount is the maximum limit of coverage if one person is injured. The second amount is the maximum amount of coverage if two or more people are injured. If the costs associated with the injury total more than the maximum limits of coverage, the at-fault party is responsible for the rest.
While many people want to save as much money as they can on their auto insurance coverage, it is a good idea to purchase the highest amount of bodily injury coverage that is affordable. In the event of a serious vehicle accident that results in severe injury or death, lower amounts may not cover the actual costs. If you have been injured in a car accident, an experienced personal injury attorney can help you determine the amount of compensation you may be entitled to.