This coverage pays damages owed to others as a result of physical injuries, sickness, disease or death of any person for which the policyholder is legally liable as a result of an auto accident.
Bodily Injury Liability coverage shows two limits. For example, 100,000/300,000. In this case, the company is liable for up to $100,000 for bodily injury damages for one person per occurrence. (Liability in excess of $100,000 for one person would not be the company's responsibility.) The second figure, refers to the maximum liability ($300,000) the company has when bodily injuries are suffered by two or more persons per occurrence.
For example, if five persons were injured due to an insured's negligence, each one having suffered $75,000 of bodily injury damages, a total of $375,000 (75,000 x 5) has to be raised to pay the judgment in full. American Family is limited to $300,000 for this occurrence, so the insured would be liable for the difference.
Bodily Injury Liability Coverage:
- Protects the named insureds, spouse and relatives as defined in the policy.
- Protects others driving your auto with your permission.
This is only a general description of terms and available coverages, not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.