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Bodily Injury Car Insurance in PA

Have you ever been involved in a car accident? Even a small fender-bender is enough to cause you major stress and ruin your day. If you haven’t had an accident, you’ve probably had at least one close call on the road. Whenever you get behind the wheel of a car, there is always the risk of property damage and injury. Bodily injury car insurance (sometimes referred to as “BI”) is an important part of your auto policy for protecting you in the case of bodily harm to others.

What is Bodily Injury Car Insurance?

Bodily injury liability is one of four mandatory coverages making up your car insurance. The other three are property damage liability coverage, uninsured/underinsured motorist coverage and personal injury protection. The distinction between bodily injury and personal injury protection is that bodily injury liability applies to someone else being physically injured, whereas personal injury protection provides coverage for your treatment for injuries arising from an auto accident and other related expenses, such as loss of income due to not being able to work, or other personal impacts like hiring someone to help with essential tasks that you are unable to do as a result of your injuries.

What Does Bodily Injury Liability Cover?

Bodily injury liability insurance protects you against lawsuits and claims from people who have been physically injured in a car accident that you caused. A car accident that results in bodily injury may involve two or more vehicles that collide, or a driver hitting a pedestrian. The state of Pennsylvania has provided minimum bodily injury liability car insurance limits, which are as follows:
Minimum Required Limits - $15,000 per person, $30,000 per accident —This means that there is a required $15,000 available to cover any one person you’ve physically injured in an accident, with a maximum amount of $30,000 provided by your insurance carrier for all of the injured people. Higher limits are available, such as 25,000/50,000, 100,000/300,000, and 250,000/500,000.

Why Should You Have Bodily Injury Car Insurance?

One important reason to have bodily injury coverage on your car insurance policy is that the State of Pennsylvania requires it. As discussed above, you must carry at least the state minimum limits of $15,000 per person, and $30,000 per accident in order to be considered a legally insured driver. Besides fulfilling a legal requirement, having bodily injury liability car insurance protects you financially when you’re at fault in a car accident.

Final Thoughts on Bodily Injury Car Insurance

If you have questions about bodily injury liability car insurance, or which BI limits are right for your policy, call Plymouth Rock Assurance today to speak with a friendly, licensed representative. You can also click on the following links to read more about auto insurance coverage options, discounts that may be able to help you save money and reasons why you would ever consider switching from your insurance company. Plymouth Rock has been insuring drivers in PA for decades, and consistently provides the best value for car insurance customers with exclusive affinity discount programs, flexible coverage plans, and exceptional customer service.

Call 855-993-4470, get your free quote online, or find an agent to learn more about bodily injury car insurance. Visit our contact us page if you need to call us with additional questions.