What is Bodily Injury Coverage Policy and How Do I Get Compensation?

Due to the many rules of driving that we must follow when driving, an accident is usually the result of negligent driving. As a victim of an accident caused by a negligent driver you can bring a claim against that driver and their insurance company. Insurance companies and their insured drivers have a contract which states that if the insured driver causes an accident the insurance company will cover the cost of the other driver’s injuries. Unfortunately the insurance company will only cover a certain amount depending on what bodily injury coverage, or BI coverage, their insured driver carries.

If I file a claim, am I filing the claim against the at fault driver directly?

When filing a claim against an at-fault driver you are not necessarily filing a claim against the driver directly, but instead filing a claim against his insurance company. Because an insurance policy is a contractual agreement between an insured driver and the insurance company, the at-fault driver’s insurance company can be liable for medical bills. The amount of money the insurance company will be liable for following an accident is dependent on the Bodily Injury Coverage the driver has purchased.

What is Bodily Injury Coverage?

Bodily Injury Coverage, also known as BI, is the coverage on Florida drivers’ insurance policies used for costs associated with an accident. While Bodily Injury coverage is carried by some drivers, it is an elective coverage meaning that drivers are not required to carry it to drive in the state of Florida. The limits of BI are defined usually as a limit per person and a limit per accident. For example, $100,000/$300,000 BI coverage would pay for up to $100,000 per driver and would be capped at $300,000 for the entire accident. This is how Bodily Injury Coverage is typically presented:

• ● $10,000/$20,000
• ● $25,000/$50,000
• ● $100,000/$300,000
• ● $300,000/$500,000

Attention! Being compensated for injuries following an accident is not simple or easy. The injured party must prove to the insurance company that the auto accident was the insured driver’s fault and that the injuries sustained in the accident are permanent because of Florida’s No-Fault Law!

It is imperative that you do not speak with the insurance company associated with the at-fault driver until you have spoken to an attorney.

Auto Accident Attorney

Call Dan Newlin Injury Attorneys at 800-257-1822. When dealing with insurance companies, it’s important to remember that they will make the process as difficult as possible to discourage drivers and victims from filing claims against the at-fault driver. Insurance
companies hire Bodily Injury Adjusters who act on the companies’ behalf to handle your case. They oftentimes present themselves as friendly and trustworthy but don’t be fooled by them! They will tell you that the insured driver does not carry BI insurance and that you will not receive anything by filing a claim.

While it is never easy being in an accident, the one thing you can do to make your life easier is call Dan Newlin Injury Attorneys. We aggressively pursue the at-fault insurance company and do a full investigation including an asset check on the owner and driver of the at-fault driver. Remember that the investigative work is done free of charge unless we win your case.