{"id":371,"date":"2014-12-22T16:43:39","date_gmt":"2014-12-22T20:43:39","guid":{"rendered":"https:\/\/project-011.com\/?page_id=371"},"modified":"2021-11-09T12:03:46","modified_gmt":"2021-11-09T17:03:46","slug":"bodily-injury-property-damage-liability","status":"publish","type":"page","link":"https:\/\/project-011.com\/?page_id=371","title":{"rendered":"Bodily Injury & Property Damage Liability"},"content":{"rendered":"

\"Bodily<\/a>Bodily Injury & Property Damage Liability<\/h1>\n

Law in each state sets the minimum required financial responsibility when a driver is negligent in an accident.\u00a0 Coverage of most auto policies requires Bodily Injury & Property Damage liability (BI-PD).\u00a0 Most states use a \u201ctort\u201d system of laws where negligence triggers an obligation to pay money for damages or injuries.\u00a0 Some states have \u201cno-fault\u201d laws which makes finding negligence a secondary concern except in circumstances that exceed practical or monetary thresholds.\u00a0 That is why bodily injury & property damage liability coverage is found in both tort and no-fault policies in all fifty states.<\/p>\n

BI-PD coverage applies when negligence is established by law whether the policy is issued for Ohio, Michigan, or some other state. The bodily injury liability coverage of your policy pays (generally speaking) when you have been determined to have caused bodily injury in an accident or event.\u00a0 Your coverage can be triggered when it has been determined by a court of law that you are negligent, or by an agreement between your insurance carrier and the person who was injured by your negligence.<\/p>\n

There are varying degrees of negligence but in the simplest form, if you have been determined to have been 50% or greater the cause of an accident, you would owe for the injuries sustained by any person.\u00a0 The same basic concept occurs when\u00a0property damage liability (PD) has been caused.\u00a0 Property damage may occur without a bodily injury occurring, and bodily injuries may occur when no property is damaged in the same event. In no-fault states, the BI\/PD coverage is provided on a residual basis.\u00a0 That means that the bodily injury & property damage coverage that is included on your policy only applies to provide protection\u00a0after primary benefits of no fault coverage have applied first or when certain practical or monetary thresholds have been exceeded.<\/p>\n

In Michigan, for example, bodily injuries are first covered by the Personal Injury Protection (PIP) coverage of your own auto policy and when injuries exceed certain threshold of severity and bodily impairment.\u00a0 Then, the coverage of the bodily injury liability coverage will provide protection and pay for the negligence in an accident including the cost of representing your legal interests.\u00a0 There are twelve states with active no-fault laws on the books in the USA.\u00a0 Some states have dollar thresholds (rather than severity thresholds) that apply before any claim for Bodily Injury or Property Damage claims can be sustained.\u00a0 We don’t have a no-fault law in Ohio and consequently, no PIP benefit exists.\u00a0 Instead, Ohio has a tort law system, and consequently, the bodily injury & property damage liability coverage defends allegations of negligence when you are involved in an accident.\u00a0 It still may take litigation or negotiation to determine the extent of liability but the bodily injury & property damage coverage applies up to its limit your purchase on your insurance coverage. No policy provides coverage beyond the limits of protection purchased.\u00a0 Those limits are specified in your coverage documents.<\/p>\n

One important benefit that is provided to you that is not listed on your insurance declaration page is the benefit of a defense against the claims when legal proceedings are involved.\u00a0 Defense costs are paid only up to the time your insurer agrees to pay the damages or is ordered by a court to do so.\u00a0 When your coverage limit is exhausted it is then your responsibility to pay all costs to defend yourself and pay all damages that accrue beyond the limits of insurance in your policy.\u00a0 The costs can be substantial and the consequences can result in damages that courts may extract from your income, property, or other assets.\u00a0 It is way better to pay a little more premium and buy bigger limits of bodily injury & property damage liability than to be under insured in these areas.<\/p>\n

All states specify the minimum limits of BI-PD that are acceptable. Current minimum limits in Ohio for BI-PD are $25,000 per person, $50,000 aggregate per accident for BI, and $25,000 for PD.\u00a0\u00a0If you want more personal attention to your concerns about auto insurance and the proper limits of insurance, contact Terry McCarthy Monday – Friday and between the hours of 9 – 5 most days.\u00a0 Other hours are available by appointment.<\/p>\n

Auto insurance has the following coverage parts:<\/h2>\n

Click Links<\/p>\n

[dt_sc_one_half first ]<\/p>\n

Bodily Injury & Property Damage Liability (BI\/PD)<\/a><\/h3>\n

Uninsured Motorist (UM)<\/h3>\n

Underinsured Motorist (UIM)<\/h3>\n

Medical Payments (MP)<\/h3>\n

Auto Collision<\/a><\/h3>\n

Auto Comprehensive (Other Than Collision)<\/h3>\n

Uninsured Motorist Property Damage (UMPD)<\/h3>\n

Towing and Road Service<\/h3>\n

[\/dt_sc_one_half] [dt_sc_one_half]<\/p>\n

Car Rental & Transportation Expense<\/h3>\n

No Fault (Other States)<\/h3>\n

SR22 Financial Responsibility<\/h3>\n

Financial Responsibility Bond<\/h3>\n

Other Coverage<\/h3>\n

Coverage In Canada<\/a><\/h3>\n

Coverage in Mexico<\/h3>\n

Sample Policy<\/h3>\n","protected":false},"excerpt":{"rendered":"

Bodily Injury & Property Damage Liability Law in each state sets the minimum required financial responsibility when a driver is negligent in an accident.\u00a0 Coverage of most auto policies requires Bodily Injury & Property Damage liability (BI-PD).\u00a0 Most states use a \u201ctort\u201d system of laws where negligence triggers an obligation to pay money for damages […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":14,"menu_order":0,"comment_status":"open","ping_status":"open","template":"tpl-auto-insurance.php","meta":{"footnotes":""},"class_list":["post-371","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/371","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=371"}],"version-history":[{"count":12,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/371\/revisions"}],"predecessor-version":[{"id":2620,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/371\/revisions\/2620"}],"up":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/14"}],"wp:attachment":[{"href":"https:\/\/project-011.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}