Bodily Injury and Property Damage Liability
Bodily Injury and Property Damage Liability (BI/PD) covers your legal liability for an accident that involves injury to another person or damage to someone's property, up to the limit of liability you select. If you are legally liable for an accident, your BI/PD insurance will pay for the following:
- The cost to repair or replace damaged property
- Medical bills incurred by injured parties
- Lost wages of injured parties
- Other damages you are legally obligated to pay as a result of an accident
If your individual limits are 15/30/10, this means:
- No more than $15,000 would be paid per person for Bodily Injury
- No more than $30,000 would be paid per accident for Bodily Injury
- No more than $10,000 would be paid per accident for Property Damage
Example:
You are at fault for an accident that injured another person and damaged another vehicle. The other person's total medical bills were $5,000 and the damage to the other vehicle was $10,000. Your BI/PD limits are 15/30/10, so all injuries and damages would be covered because they fall within the BI/PD limits you selected. Injuries to the other person were less than $15,000, and the amount for all injuries was less than $30,000. The other vehicle's damage also fell within the $10,000 Property Damage Liability limit.
