Bodily Injury Liability

Each state requires that you have certain types of coverages with minimum liability limits and for the state of New York its 25/50/10.

The firs two combined coverage 25/50/10 are referred to as
BODILY INJURY LIABILITY.
   
In an accident where you are found to be at fault, this coverage pays for medical treatments, rehabilitation or funeral costs caused by another driver, the other drivers passengers, passengers in your vehicle and pedestrians.

Liability will automatically raise itself to 50/100 should injuries result in death when you are only carrying the mandatory 25/50 coverage.

Coverage (protection) for BODILY INJURY LIABILITY in the State of New York can be as low and high as:
 
     25/50 ($25,000 / $50,000)
     50/100 ($50,000 / $100,000)
     100/300 ($100,000 / $300,000)
     250/500 ($250,000 / $500,000)

The insurance industry recommends that your Bodily Injury Liability  limits be $100,000 per person and $300.000 per occurrence.


Bodily Injury Liability provides:
 
   Legal defense should you be sued as a result of an
    automobile accident.
 
   Protection against any bodily injury you may cause.
 
   Protection against any property damage you may cause.
 
   and protection towards the cost of defending a lawsuit
    against you.

By insuring yourself with higher liability coverage, you’re protecting yourself against significant financial loss if you're not properly covered by insurance.

For Example:
If you were to cause a serious accident where several vehicles were involved and you only carry the mandatory liability coverage (25/50/10) the State of NY enforces, it may not be enough to cover for the damages.

Therefore, by having a higher bodily injury liability coverage
(protection) you’re not only protecting yourself from seriously high bills, but also from any possible lawsuits - and if you have assets to protect, you should consider higher limits of Bodily Injury Liability.

In addition to being provided with bodily injury liability coverage, some companies will also pay on your behalf, up to $250 dollars (varies with companies) for the cost of bail bonds required because of an accident, including related traffic law violations if the accident results in bodily injury or property damage.

You can also be granted up to $50 dollars a day (varies with
companies) for loss earnings (missing work) should you have to attend trial or should you become hospitalized due to injuries as a result of the accident.