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Understanding California's at-fault insurance system and liability coverage limits
https://legiswiki.com/en/p/10199/understanding-californias-at-fault-insurance-system-and-liability-coverage-limits
California operates under an at-fault (fault-based) car insurance system, meaning the driver who is found responsible for causing an accident is liable for covering the damages resulting from that accident. This contrasts with no-fault states, where each driver’s own insurance covers their medical e...
Can the at-fault party receive compensation if they only have liability insurance?
https://legiswiki.com/en/p/10233/can-the-at-fault-party-receive-compensation-if-they-only-have-liability-insurance
If the at-fault party only has liability insurance, they generally cannot receive compensation for their own damages from that insurance because liability coverage is designed to pay for damages they cause to others, not for their own injuries or vehicle damage. Liability insurance covers bodily inj...
What role does the at-fault party’s own insurance play in covering their damages?
https://legiswiki.com/en/p/10238/what-role-does-the-at-fault-partys-own-insurance-play-in-covering-their-damages
The at-fault party’s own insurance primarily covers damages they cause to others, including property damage and bodily injury. When an accident occurs and fault is clear or admitted, the at-fault driver’s liability insurance is responsible for paying the other party’s medical bills, property damage,...
Legal options if the at-fault party's insurance coverage is insufficient
https://legiswiki.com/en/p/10204/legal-options-if-the-at-fault-partys-insurance-coverage-is-insufficient
If the at-fault party's insurance coverage is insufficient to cover your damages, you have several legal options to pursue compensation: 1. Use Your Own Uninsured/Underinsured Motorist Coverage (UM/UIM): If you have uninsured or underinsured motorist coverage as part of your own auto insurance polic...
Insurance liability and legal risks for vehicle owners when others use their car without paying
https://legiswiki.com/en/p/10265/insurance-liability-and-legal-risks-for-vehicle-owners-when-others-use-their-car-without-paying
Insurance Liability and Legal Risks for Vehicle Owners When others use your car without paying, several insurance and legal risks arise for vehicle owners. Understanding these risks is crucial to managing potential liabilities. Insurance Liability Insurance Follows the Car: Generally, the car owne...
Bodily Injury Liability
Bodily injury liability is a type of auto insurance coverage that pays for the medical expenses and injury-related costs of other people if you are found legally responsible for causing an accident. This coverage helps cover:
- Medical bills such as hospital stays, emergency care, rehabilitation, and equipment like crutches
- Lost wages or loss of earning capacity if the injured party cannot work
- Pain and suffering compensation
- Funeral expenses in case of fatalities
- Legal fees if the injured party sues you
It applies to injuries suffered by other drivers, passengers (in your vehicle or others), pedestrians, and bystanders involved in the accident.
Key points about bodily injury liability:
| Aspect | Details |
|---|---|
| What it covers | Medical expenses, lost income, pain and suffering, funeral costs, legal fees for others |
| Who it covers | Other drivers, passengers, pedestrians, bystanders injured in an accident you cause |
| What it does NOT cover | Your own medical expenses or those of your passengers (covered by other policies like PIP) |
| Legal requirement | Required in most states as part of auto insurance |
| Typical minimum limits example | Nevada requires at least 25/50 bodily injury liability limits (thousands of dollars per person/accident) |
If the damages exceed your policy limits, you may be personally responsible for paying the remaining costs.
In summary, bodily injury liability insurance protects you financially if you injure someone else in a car accident by covering their injury-related expenses and legal costs, but it does not cover your own injuries.