Bodily injury liability insurance
For most accidents, the most damage happens to the vehicles. Minor fender benders do not tend to send folks to the doctor or emergency room and require the services of either a mechanic or body shop. While these property damages can be costly, it is usually minor compared to the overall cost of the vehicle. So, property damage protection on an auto insurance policy is important.
However, probably more vital is bodily injury liability insurance coverage. For many accidents, even those that may appear insignificant, people can get hurt. It could be something as minor as a sore neck or it could be a fatality. It all depends on the severity of the collision. Bodily injury liability insurance is essential to cover the costs of anyone who may get hurt in a car accident: you, your passengers or individuals in another involved vehicle. On average, medical expenses can build rather quickly and can easily cost you more than the price of the car you wrecked.
Serious injuries also tend to invite people to file lawsuits, depending on the laws in the state where you live. If you are the at fault driver in an at fault or tort state, then you are going to be responsible for coverage the medical expenses of every person involved in the crash. If you are in a no fault state, you may only be covering your own medical bills. However, anyone can tell you the cost of that could be just as prohibitive, depending on your injuries.