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If you are at-fault for an accident that results in injuring another driver, passenger or bystander, bodily injury liability coverage aids in paying for three types of costs:
This coverage protects you, your passengers, and insured members of your household for costs associated with personal injuries, damages, or death if you are at-fault. It also covers your vehicle up to specific limits if hit by an uninsured driver. Coverage includes medical expenses, funeral expenses, pain and suffering, and loss of income.
This type of coverage helps to pay repair damage if the accident impacts another person’s vehicle or property. This is required by law in California and helps cover the costs if you are at-fault for the accident and resulting damages. This policy typically does not cover damage to your own vehicle.
This type of coverage protects your insured vehicle when damaged by a driver without auto insurance. If your policy does not have collision coverage, this type of protection pays up to a specific amount for the insured car.