Automobile insurance

What does bodily injury auto insurance cover?

Among the types of insurance that exist, automobile insurance falls into the category of “property and casualty insurance”, meaning that your automobile, as property, can be insured in the event of some type of unfortunate event. In the event of an automobile accident, the insurance would cover your bodily injuries as long as you are not at fault for the incident. Otherwise, if the insured is proven to be at fault in the accident, the automobile insurance has a liability section that covers a series of aspects to be covered for the injuries caused to the other person involved.

What does automobile liability insurance indemnity?

Liability coverage prioritizes the costs and types of expenses arising from bodily injury caused by the insured to the other driver if the other driver is at fault for the accident. This includes:

  • Medical bills: this includes hospitalization if necessary, medical care, follow-up care and medications.
  • Lost wages: if the injuries caused by the accident are extremely serious and make it impossible for the injured party to attend work normally, the liability insurance will be obligated to pay the injured party’s wages for as long as the injuries prevent him/her from working.
  • Legal fees: if the third party is forced to sue the insured, the insurer must provide legal support for his defense. The cost of the defense is taken out of the own bodily injury insurance.
  • Funeral costs: the insurer must pay for the total funeral and burial costs if someone dies in the accident.

It is important to note that the liability insurance is only a part of the automobile insurance and if no third parties are injured in the accident, the insurer will cover the medical, legal, funeral and estate costs as the case may be and as stipulated in the contract.

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