Does car insurance cover injuries?
Car insurance will cover injuries if you have liability coverage. Liability auto insurance will cover injuries to other people that are hurt in an accident that is your fault. Medical payments coverage will cover your injuries. How much does insurance pay for bodily injury? This depends on your coverage limit, but every state has minimum requirements.
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Written by
D. Gilson, PhD
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Reviewed by
Leslie Kasperowicz
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UPDATED: Jul 15, 2021
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- Liability car insurance is made up of property damage and bodily injury
- Bodily injury insurance covers injuries to other people in an accident that is your fault
- Each state has minimum liability requirements that you must meet to drive legally
Unfortunately, people get hurt in car accidents all the time. Therefore, you may be wondering, “Does car insurance cover injuries?” Liability car insurance will cover injuries to other people, while medical payments coverage can help cover your injuries.
Compare car insurance companies to find the company with the most affordable liability policy for you.
Before learning more about if car insurance covers injuries, enter your ZIP code into our free quote comparison tool above to find affordable car insurance rates from companies near you.
Table of Contents
Does car insurance cover injuries?
Does car insurance cover injury claims? If you have liability car insurance, it should cover injuries to other people who are injured in an accident that is your fault. Liability car insurance is comprised of property damage (covers damage to property) and bodily injury (covers injuries).
Liability car insurance can cover medical expenses, lost wages, pain and suffering, and legal fees.
Does bodily injury cover me? Unfortunately, liability insurance will not cover injuries to the insured since it is primarily third-party coverage. To be covered for your injuries, you may want to consider buying medical payments coverage.
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How much is liability car insurance?
Liability car insurance rates can be determined using many different factors, including age, gender, location, type of car, and more. Let’s take a look at some average car insurance rates:
| Car Insurance Coverage Type | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Comprehensive | $148 | $12 |
| Collision | $326 | $27 |
| Liability | $555 | $46 |
| Full | $1,029 | $86 |
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One other major determinant of your liability rates is how much coverage you need.
How much car insurance coverage do I need?
How much does insurance pay for bodily injury? This will depend on your coverage limits. Most states have a minimum requirement for how much liability coverage you will need to buy. Below is a list of the minimum requirements by state:
| State | Insurance Required | Minimum Liability Required Limits |
|---|---|---|
| Alabama | BI & PD Liab | 25/50/25 |
| Alaska | BI & PD Liab | 50/100/25 |
| Arizona | BI & PD Liab | 15/30/10 |
| Arkansas | BI & PD Liab, PIP | 25/50/25 |
| California | BI & PD Liab | 15/30/5 |
| Colorado | BI & PD Liab | 25/50/15 |
| Connecticut | BI & PD Liab, UM, UIM | 25/50/20 |
| Delaware | BI & PD Liab, PIP | 25/50/10 |
| District of Columbia | BI & PD Liab, UM | 25/50/10 |
| Florida | PD Liab, PIP | 10/20/10 |
| Georgia | BI & PD Liab | 25/50/25 |
| Hawaii | BI & PD Liab, PIP | 20/40/10 |
| Idaho | BI & PD Liab | 25/50/15 |
| Illinois | BI & PD Liab, UM, UIM | 25/50/20 |
| Indiana | BI & PD Liab | 25/50/25 |
| Iowa | BI & PD Liab | 20/40/15 |
| Kansas | BI & PD Liab, PIP | 25/50/25 |
| Kentucky | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| Louisiana | BI & PD Liab | 15/30/25 |
| Maine | BI & PD Liab, UM, UIM, Medpay | 50/100/25 |
| Maryland | BI & PD Liab, PIP, UM, UIM | 30/60/15 |
| Massachusetts | BI & PD Liab, PIP | 20/40/5 |
| Michigan | BI & PD Liab, PIP | 20/40/10 |
| Minnesota | BI & PD Liab, PIP, UM, UIM | 30/60/10 |
| Mississippi | BI & PD Liab | 25/50/25 |
| Missouri | BI & PD Liab, UM | 25/50/25 |
| Montana | BI & PD Liab | 25/50/20 |
| Nebraska | BI & PD Liab, UM, UIM | 25/50/25 |
| Nevada | BI & PD Liab | 25/50/20 |
| New Hampshire | FR only | 25/50/25 |
| New Jersey | BI & PD Liab, PIP, UM, UIM | 15/30/5 |
| New Mexico | BI & PD Liab | 25/50/10 |
| New York | BI & PD Liab, PIP, UM, UIM | 25/50/10 |
| North Carolina | BI & PD Liab, UM, UIM | 30/60/25 |
| North Dakota | BI & PD Liab, PIP, UM, UIM | 25/50/25 |
| Ohio | BI & PD Liab | 25/50/25 |
| Oklahoma | BI & PD Liab | 25/50/25 |
| Oregon | BI & PD Liab, PIP, UM, UIM | 25/50/20 |
| Pennsylvania | BI & PD Liab, PIP | 15/30/5 |
| Rhode Island | BI & PD Liab | 25/50/25 |
| South Carolina | BI & PD Liab, UM, UIM | 25/50/25 |
| South Dakota | BI & PD Liab, UM, UIM | 25/50/25 |
| Tennessee | BI & PD Liab | 25/50/15 |
| Texas | BI & PD Liab, PIP | 30/60/25 |
| Utah | BI & PD Liab, PIP | 25/65/15 |
| Vermont | BI & PD Liab, UM, UIM | 25/50/10 |
| Virginia | BI & PD Liab, UM, UIM | 25/50/20 |
| Washington | BI & PD Liab | 25/50/10 |
| West Virginia | BI & PD Liab, UM, UIM | 25/50/25 |
| Wisconsin | BI & PD Liab, UM, Medpay | 25/50/10 |
| Wyoming | BI & PD Liab | 25/50/20 |
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If you don’t purchase the minimum liability coverage amount, you will not be able to buy other types of insurance that may help cover you if you’re in an accident.
You may also want to ensure you’re buying enough coverage for large accidents so that you don’t risk having to pay for costly damage or injuries out of pocket. For example, if you have $50,000 of bodily injury coverage, but medical bills are $75,000, you will have to pay $25,000 by yourself.
Now that you know more about if car insurance covers injuries, enter your ZIP code into our free quote comparison tool below if you need help finding a liability car insurance company that is right for you.