What is Bodily Injury Liability

Bodily Injury Liability Coverage on your auto insurance is the coverage that is going to protect you and your assets in the event there is an accident with injuries.

It is the coverage that is required by New York State Law to have a vehicle on the road or to have license plates. In New York if you have plates registered on a car you need to carry liability insurance. Even if that car is un-driveable.

Types of Coverage

Split Limits

Auto liability coverage is either split into two separate limits or one combined single limit.

When split into two limits, the first limit is the max the insurance company will pay to any one person and the second limit is the max the will be on an accident basis.

First limit= per person

Second limit= each accident

You will normally see the coverage look something like this


Combined Single Limit

When your auto insurance has one limit under the bodily injury coverage, that is the max they will pay in any one accident, including both Bodily Injury and Property Damage.

Single Limit= max total the insurance company will pay.


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Low Liability Coverage

There is an awful statistic that says that around 40% of the drivers on the road today either have no Liability coverage or State Minimum Coverage.

State Minimum Coverage in New York is inadequate coverage and won’t protect you in the event something happens.

We tend to see consumers who have purchased their own insurance online be ones that tend to carry State Minimum Coverage.

New York’s State Minimum Coverage is


What’s Next?

It is important to make sure you have the necessary coverage on your personal auto policy to protect you in the event of a claim.

To learn more and get a review of your insurance policies with an independent insurance agent, click the button below.



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