Every state requires drivers to carry liability insurance to compensate for property damage and bodily injury. Each type of coverage has limits, but bodily injury coverage generally has two types of limits: the total amount to be paid for injury to one person, and the total amount to be paid for all injuries in a single accident. When a driver is at fault for an accident, injured parties can make a claim against the bodily injury portion of the insurance policy. According to a major insurane company carrier, that coverage pays for losses that include:
However, there are additional losses covered under bodily injury liability that the Allstate website does not mention. Victims are entitled to recover for noneconomic damages as well. These include:
Often, a victim’s recovery for noneconomic losses will be greater than the damage award for economic losses. Combined, your economic and noneconomic damages can exceed the limits of the at-fault driver’s policy, especially if that driver only carries the statutory minimum level of coverage.
If you’ve had an accident and have questions about what you’re entitled to recover, contact Marcari, Russotto, Spencer & Balaban Our firm has more than 200 years of combined experience with car accident claims. Call us at (888) 351-1038 or contact us online to schedule a free consultation.
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