Bodily injury liability vs. Automobile medical payments insurance?
What is the diff. between these two? let say, a minor injuries to passenger in my car would be covered by which policy?
Answers:
Both are injury coverages.
Both foot for passengers in the covered vehicle
Both settle for medical bills up to the policy limit
BI Liability coverage: Coverage limit is usually expressed as a fraction - such as 25/50. This manner the most that any one person can collect for their injury (regardless of severity) is 25,000. The most that can be paid for adjectives injuries in 1 accident is 50,000.
BI liability pays for injuries that result from your negligence. In essence - you did something wrong that cause them to be hurt. You can't be liable to yourself. That means, an at fault driver can not collect beneath this coverage.
This coverage will pay medical bills, lost wages, loss of consortium, pain and suffering.
Medical Payments coverage is usually expressed as a set amount - such as 1000 or 5000 per personality. This coverage pays only for medical bills up to the policy limit. This coverage pays regardless of knock. It will also pay if you are a pedestrian and are struck by another vehicle.
Here's an example of how the coverages work - Joe is driving. Sally, Mary and Bob are passengers within his vehicle. Joe loses control of his car and hits a tree. All 4 occupants of the sports car are injured.
Joe - would be able to make a claim beneath Medical Payments for his medical bills (up to the policy limit). He can Not make a claim against the bi liability. His negligence caused the happenstance and he can't be liable to himself. His claim is Med Pay only.
Sally, Mary and Bob would be able to generate a claim against the policies Medical Payments coverage And the bi liability coverage.
Hope this helps. Source(s): Insurance Adjuster 12 years
Medical payments is for the people INSIDE your saloon. Liability is for the people OUTSIDE your car that you hit, or contained by another car that you hit. On some occasions, your passenger who doesn't live next to you, might sue you for injuries if you caused the accident - surrounded by which case, your liability should also respond.
Related Questions:
Answers:
Both are injury coverages.
Both foot for passengers in the covered vehicle
Both settle for medical bills up to the policy limit
BI Liability coverage: Coverage limit is usually expressed as a fraction - such as 25/50. This manner the most that any one person can collect for their injury (regardless of severity) is 25,000. The most that can be paid for adjectives injuries in 1 accident is 50,000.
BI liability pays for injuries that result from your negligence. In essence - you did something wrong that cause them to be hurt. You can't be liable to yourself. That means, an at fault driver can not collect beneath this coverage.
This coverage will pay medical bills, lost wages, loss of consortium, pain and suffering.
Medical Payments coverage is usually expressed as a set amount - such as 1000 or 5000 per personality. This coverage pays only for medical bills up to the policy limit. This coverage pays regardless of knock. It will also pay if you are a pedestrian and are struck by another vehicle.
Here's an example of how the coverages work - Joe is driving. Sally, Mary and Bob are passengers within his vehicle. Joe loses control of his car and hits a tree. All 4 occupants of the sports car are injured.
Joe - would be able to make a claim beneath Medical Payments for his medical bills (up to the policy limit). He can Not make a claim against the bi liability. His negligence caused the happenstance and he can't be liable to himself. His claim is Med Pay only.
Sally, Mary and Bob would be able to generate a claim against the policies Medical Payments coverage And the bi liability coverage.
Hope this helps. Source(s): Insurance Adjuster 12 years
Medical payments is for the people INSIDE your saloon. Liability is for the people OUTSIDE your car that you hit, or contained by another car that you hit. On some occasions, your passenger who doesn't live next to you, might sue you for injuries if you caused the accident - surrounded by which case, your liability should also respond.
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