{"id":387,"date":"2020-03-23T20:09:16","date_gmt":"2020-03-23T20:09:16","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=387"},"modified":"2020-09-15T07:04:21","modified_gmt":"2020-09-15T07:04:21","slug":"injury-property-damage-auto-insurance","status":"publish","type":"post","link":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/injury-property-damage-auto-insurance\/","title":{"rendered":"Does Car Insurance Cover Bodily Injury and Property Damage?"},"content":{"rendered":"

Car insurance is complicated! If you aren\u2019t totally sure what is in yours and what you\u2019re paying for each month, you are definitely not alone. Yet, now is the time to have your questions answered and come to a better understanding of what is in your <\/span>Florida car insurance policy<\/span><\/a>, what coverage you have, and what your policy doesn\u2019t help you with. If you wait until after an accident or claim of some kind to learn the answers, you may just find you don\u2019t like what you discover.\u00a0<\/span><\/p>\n

Essentially, your policy is a combination of many different pieces all designed to protect you are out on the road. When you\u2019re driving on I-4, you know how important this protection is! While some of these coverages are optional, others are required by the state of Florida. Coverage that is mandated by law includes bodily injury and property damage liability insurance. These coverages protect you if you\u2019re in an at-fault accident, and they\u2019ll help cover costs for injuries and damages you caused to other people or their property. Let\u2019s take a look at what these terms mean as well as the specific way <\/span>Orlando, FL car insurance<\/span><\/a> works:<\/span><\/p>\n

Bodily injury liability insurance<\/b>– This coverage is financial protection for everyone on the road, because everyone has to have it. If you\u2019re at fault in an accident, bodily injury liability coverage (BI) will help cover the costs associated with medical expenses for injuries you caused to other drivers and their passengers. Let\u2019s say you rear end someone at a stop light and they need medical treatment for whiplash. Your car insurance policy covers this payment for them.<\/span><\/p>\n

Property damage liability insurance<\/b>– This coverage financially protects things, not people. If you\u2019re at fault in an accident, property damage liability (PD) insurance helps to cover costs for someone else\u2019s property. This often includes the other driver\u2019s vehicle expenses, but if you damage someone\u2019s property, such as a mailbox or fence, this is included as well.<\/span><\/p>\n

Bodily liability insurance helps pay for the other persons:<\/b><\/p>\n