Bodily Injury Automobile Insurance

Bodily Injury insurance is sometimes referred to as liability insurance or BI coverage. In other words, in order to qualify for payment or benefits under a Bodily Injury insurance policy, there must be fault or liability proved against the policy owner or a driver covered under the policy. Furthermore, Bodily Injury insurance typically only provides coverage for medical bills not otherwise covered by PIP or Med Pay. Bodily Injury coverage may provide compensation for pain, suffering, loss of enjoyment of life depending on the severity of injuries and the applicable state laws in place regarding the entitlement to such damages.

Based in Jacksonville, Florida, car accident attorney David Wolf deals with Bodily Injury insurance issues and adjusters on a daily basis. It should be noted that Florida has "No-Fault" laws in place that set forth some limitations and procedures for qualifying for and pursuing compensation in the aftermath of a car accident. Generally, a permanent injury is required in the context of a car accident case to quality for damages created to pain, suffering, mental anguish, and loss of enjoyment of life. The Florida "No-Fault" laws are a bit confusing. It should be noted that a negligent driver can be held liable for personal injuries resulting from a car accident.

Bodily Injury insurance policies covering a vehicle range in policy limit value from $10,000 to over $1 million. Keep in mind that Bodily Injury insurance is optional coverage in the State of Florida. It is impossible to tell how much coverage or the type of coverage under any particular policy without first obtaining a copy of the declaration page and the actual policy of insurance.

If there is Bodily Injury insurance coverage and there is liability on the part of the policyholder, does this mean that the insurance company will automatically pay the Bodily Injury insurance limits to the injured person? The simple answer is "Not necessarily". For instance, let's say there's a $100,000 policy in place. The injured person suffered a neck sprain or strain and the X-rays and the MRI results did not show any injury to the disc. In all likelihood, the insurance company will not pay out the policy limits in that case. On the other hand, let's consider another case in which the victim sustains a neck injury. The MRI results showed a herniated disc. Surgery was performed. In the second scenario, it is likely that the automobile insurance company will pay out the $100,000 policy limits. The pursuit of a claim against an insurance company can be quite complicated. Because of this, it is important to get advice, consultation, and legal representation from a Florida Automobile Accident Attorney as to the available insurance coverage and valuation of the case or claim.

David Wolf is the author of 12 books that focus on personal injury and safety issues including the book titled - Florida Automobile Accidents - Personal Injuries - Keys to Protecting and Enforcing Your Legal Rights and the book titled - When the Wheels Stop Spinning - Legal Rights of the Injured Child - What Parents Need to Know After the Accident.

Contact David Wolf for a Free Consultation. Find out more about your legal rights and get an attorney in place who believes in Giving a Voice to Injury Victims. Get D Wolf On Your Side - At Your Side.