Are you properly covered? Most potential clients contact our office because they have been hurt in a car accident where someone else was at fault. That potential client's own bodily injury liability insurance does not relate to this type of accident. Bodily Injury liability insurance covers you in the event that you are at fault in an accident that hurts someone else. This type of insurance covers the medical costs of any injury incurred by passengers in your car and other cars after an accident for which you are responsible.
Personal injury liability insurance is usually sold in increments that designate both how much coverage you have per person in an accident, with an additional limit per accident. For example, if you buy bodily injury worth $100,000/$300,000, each of the people you injured could be compensated $100,000, but only up to $300,000 per accident.