What is Bodily Injury Coverage?

Being involved in an accident that is not your fault can be a traumatic event. Besides suffering injury, pain, suffering and mental anguish, you may be struck with the feeling of utter helplessness. Who is going to pay my bills? Who is going to compensate me for my loss? Keep reading and then call Florida bodily injury lawyer Dan Newlin.

Most auto accidents are caused by automobile negligence. To that end, the person responsible for the accident is the one who committed the negligence. In most auto-accident cases, claims can be brought against both the owner of the at-fault vehicle and the at-fault driver. In most cases, the driver of a vehicle also owns a vehicle.

When I bring a claim against the at-fault party, am I going directly after the driver? Not necessarily. An insurance policy is a contract between a vehicle owner and the insurance company. Among many things, it states that if the owner of vehicle, or any authorized driver, causes an auto accident due to automobile negligence, the insurance company will agree to compensate other parties that have been injured as a result.

The insurance company will pay up to a limit of elective coverage known as Bodily Injury Coverage or simply BI. The limits of coverage are normally defined as a limit per person, and a limit per accident.

For example, a $10,000/$20,000 BI policy indicates that the insurance company will pay up to $10,000 per injured person, but no more than $20,000 for all injured parties. BI coverage is normally available as such:

  • $10,000/$20,000
  • $25,000/$50,000
  • $100,000/$300,000
  • $300,000/$500,000

WARNING: Compensation for injuries is not automatic! An injured party is still obligated to prove to the insurance company that the accident was their insured’s fault and that they have sustained a permanent injury as defined by the Florida No-Fault Law. DO NOT SPEAK WITH AN AT-FAULT INSURANCE COMPANY UNTIL YOU HAVE CONSULTED WITH A LAWYER.

How do I find out if there is BI for my claim? Call the law office of Dan Newlin & Partners at (407) 888-8000: Insurance companies hire Bodily Injury Adjusters that are very friendly and appear to be trusting. DON’T BE FOOLED. Do not ever let an insurance adjuster tell you that there is no Bodily Injury Coverage, or that you cannot bring a claim against their insured. My staff will aggressively pursue all avenues of available coverage and exhaust all efforts to investigate what coverage exists. This includes a full asset check on the owner and driver of the at-fault vehicle. REMEMBER, all of our investigative work is done at NO COST unless we win your case.

We have been contacted by many clients who were told from insurance adjusters or prior attorneys that there was no available coverage, only to do our own extensive investigation and find out there is millions of dollars available! Contact us first for a free consultation before speaking to an insurance company.