Protects you in a personal injury lawuit if you seriously injure someone with your vehicle.
Bodily Injury coverage protects you (and anyone driving your car with your permission) if a claim is made against you by another person, claiming that you caused their serious injuries in a car accident.
All motor vehicles in New York State are required to carry this insurance. In addition to providing coverage, your insurance company must provide you with a legal defense against such claims, without reducing your policy’s liability limits.
If you suffer a personal injury or are injured in an auto accident due to someone else’s negligence, you may be able to make a claim against that other person’s auto insurance policy for bodily injury and property damage liability without any court action. In many cases, this insurance is paid to injured people without ever filing a lawsuit.