Seguro contra terceros por lesiones corporales

Cotización
Descubra los descuentos y beneficios con el Programa de Seguros para automóviles de AARP de The Hartford.

What Is Bodily Injury Liability?

What is bodily injury liabilityIf you’re legally responsible for an auto accident that caused injury or death, your bodily injury liability car insurance can help protect you. This type of seguro para autos coverage helps pay the costs of injuries for any passengers in the other car. It’s required by law in most states and may apply if you cause an accident that hurts a pedestrian. Keep in mind that bodily injury coverage limits vary by state.
 
To learn more about this coverage, obtener una cotización from the AARP® Auto Insurance Program from The Hartford1 today. You can also call The Hartford’s representatives at 888-413-8970 with any questions or to find out your state’s minimum amount of protection.
 

What Does Bodily Injury Liability Cover?

Responsabilidad por lesiones corporalesIf you’re at-fault for a car accident that injures passengers in another car, your bodily injury liability coverage may help pay for their:
 
Medical expenses: This coverage helps pay for emergency services and hospital care. It’ll also help cover costs for:
 
  • Doctors’ visits
  • Medicamentos
  • Crutches
  • Recovery wheelchairs
Lost Income: If you injure another person in an accident and they need time off from work for ongoing care, this coverage can help pay their lost wages.
 
Legal fees: Bodily injury liability coverage can help pay for your legal defense fees if you cause an accident and the other driver files a claim against you.
 
Pain and suffering: This coverage can help compensate injured passengers from the other car if you cause an accident.
 
Funeral costs: If you cause an accident and a passenger in the other car dies, this coverage can help pay for their funeral expenses.
 
It’s also important to remember that medical payments coverage can help pay for bodily injuries for you, your passengers and your family members in a car accident.
 

How Does Bodily Injury Liability Insurance Work

Bodily injury liability coverageWhen you injure passengers in another car in an accident, this coverage can help pay their medical costs so you don’t have to. Typically, the injured person files bodily injury claims. Each claim usually includes information on:
 
  • Soft tissue wounds, such as damaged tendons, ligaments or skin
  • Hard injuries such as broken bones and joint or head injuries
  • Whiplash trauma
  • Permanent or residual injuries caused by the accident
  • The date of the injury
  • How the injury occurred
  • The diagnosis
  • The length of treatment and recovery
Often, bodily injury claims demand compensation for the injured person for past and future medical expenses. These payments come from the at-fault driver’s insurance company.
 
However, if you’re hit by an at-fault-driver who carries insufficient car insurance, you’ll need underinsured/uninsured motorist bodily injury coverage. You can then make a claim up to the limit for that coverage.
 

How Much Bodily Injury Liability Coverage Do I Need?

How much bodily injury liabilityYour bodily injury liability coverage is your first line of defense when you’re at-fault for an accident that injures the other driver’s passengers. To determine how much car insurance you need, you’ll want to look at the value of your assets.
 

Bodily Injury Liability Limits

Bodily injury liability coverage generally has two coverage limits:
 
  1. Per-person limit: This applies to each person injured in an accident.
  2. Per-accident limit: This applies to each accident in which multiple people have injuries
The bodily injury liability insurance coverage amount is a "split limit," such as $100,000/$300,000. La primera cifra es el límite máximo de cobertura para una persona lesionada. La segunda cifra es el límite de cobertura para dos o más personas en cualquier accidente o evento.
 

How Much Bodily Injury Liability Is Required?

State car insurance laws vary, so you’ll need to check your areas minimum limits. These laws do not have maximum amounts, which means you can increase your limit how you see fit. In most cases, you’ll want to raise your coverage amount. This can help make sure you’re fully protected if the injured person’s medical bills exceed your state minimums.
 
According to the Insurance Information Institute (III), minimum liability coverage limits (per person/per accident) per state are:2
 
Alabama: $25,000/$50,000
Alaska: $50,000/$100,000
Arizona: $25,000/$50,000
Arkansas: $25,000/$50,000
California: $15,000/$30,000
Colorado: $25,000/$50,000
Connecticut: $25,000/$50,000
Delaware: $25,000/$50,000
Distrito de Columbia: $25,000/$50,000
Florida: $10,000/$20,000
Georgia: $25,000/$50,000
Hawaii: $20,000/$40,000
Idaho: $25,000/$50,000
Illinois: $25,000/$50,000
Indiana: $25,000/$50,000
Iowa: $20,000/$40,000
Kansas: $25,000/$50,000
Kentucky: $25,000/$50,000
Louisiana: $15,000/$30,000
Maine: $50,000/$100,000
Maryland: $30,000/$60,000
Massachusetts: $20,000/$40,000
Michigan: $100,000/$50,000
Minnesota: $30,000/$60,000
Mississippi: $25,000/$50,000
Missouri: $25,000/$50,000
Nuevo México: $25,000/$50,000
Nueva York: $25,000/$50,000
Carolina del Norte: $30,000/$60,000
Dakota del Norte: $25,000/$50,000
Ohio: $25,000/$50,000
Oklahoma:$25,000/$50,000
Oregon: $25,000/$50,000
Pennsylvania: $15,000/$30,000
Rhode Island: $25,000/$50,000
Carolina del Sur: $25,000/$50,000
Dakota del Sur: $25,000/$50,000
Tennessee: $25,000/$50,000
Texas: $30,000/$60,000
Utah: $25,000/$65,000
Vermont: $25,000/$50,000
Virginia: $25,000/$50,000
Washington: $25,000/$50,000
West Virginia: $25,000/$50,000
Wisconsin: $25,000/$50,000
Wyoming: $25,000/$50,000
 

Cotización

Obtenga una cotización de seguro para autos today and learn how The Hartford can help protect you and your loved ones with bodily liability coverage.
 
You can also learn more about other essential auto policies, like property damage liability coverage or collision coverage, by calling The Hartford’s representatives at 888-413-8970.
 
 
Última actualización: 21 de septiembre de 2023
 
 
Divulgaciones adicionales a continuación.
Seguro contra terceros por lesiones corporales

Responsabilidad por lesiones corporales

Learn more about bodily injury and other auto insurance definitions in this video.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.