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Decoding Bodily Injury Liability Insurance: Your Essential Guide

Unraveling the complexities of auto insurance terms can be daunting. Enter bodily injury liability insurance, a crucial element often misunderstood. In the unfortunate event of an at-fault accident, this insurance steps in to cover not your injuries, but those of others involved. It extends to medical expenses, lost income, funeral costs, and legal fees if you face a lawsuit.

State Requirements and Limits

Alabama, like many states, mandates bodily injury liability insurance. Drivers must carry at least $25,000 per person, $50,000 per accident for injuries or deaths, and an additional $25,000 for property damage.

Coverages – What’s In and What’s Out


  • Medical Costs: Covers emergency care, hospital fees, and ongoing medical treatment.
  • Lost Income: If injuries result in missed work, the insurance compensates for lost income.
  • Funeral Expenses: In the tragic event of a fatality, funeral costs are covered.
  • Legal Fees: If facing a lawsuit, the insurance covers legal defense, court costs, and settlements, up to policy limits.


  • Your Medical Costs: Only covers others’ medical expenses. For personal medical costs, personal injury protection is necessary.
  • Property Damage: Damages to the other party’s vehicle or external property fall under the property damage section of liability insurance.
  • Your Vehicle’s Damage: Damage to your vehicle requires collision insurance coverage.

Why Seek Guidance

Auto insurance complexities can be overwhelming, but understanding them is crucial. In the aftermath of an accident, Roger Varner Injury Law is your ally. Our Mobile personal injury lawyers prioritize your interests, guiding you through insurance intricacies and working toward a settlement that meets your needs. Schedule a free consultation today by calling (833) 482-7637 or filling out our online form. Your peace of mind is our commitment.