What is the coverage of the injury?
Body injury coverage, also called BI, is a type of insurance coverage that pays for injuries of people who are not specifically included in the insurance contract. In the case of car insurance, they will pay medical expenses for people who are named in the insurance contract by the driver. Some companies also choose this type of coverage to protect themselves if someone is injured in their premises, and some household insurance includes BI. Expenditure on treatment can be quickly reserved and once an error has been established in the accident, the damaged parties are entitled to the fault of the person. These reparations may include basic treatment expenses, including rehabilitation therapy, psychological therapy or even missed work and pain and suffering.
In many parts of the world, drivers are obliged to purchase a physical injury when setting a vehicle insurance policy. This coverage is usually marked on an insurance contract in x/y format where "x" refers to how much money will be paid per person and "y"It is the total amount of money that the insurance company pays for one accident. In the United States, the insurance company recommends covering 100/300, which means that up to $ 100,000 will be paid per person for an accident and $ 300,000 will be paid for an accident. In some regions, it will also cover legal fees related to the accident.
Generally, there are a number of options to cover physical injuries, starting with a minimum required government. The minimum of the government is low, but in a simple accident they cover basic therapeutic expenses. People who want more coverage assurances can buy and get apolitics with higher coverage. Some people decide to buy more insurance to protect their personal assets, because the action for a harm in an accident can lead to the disposal of real estate, securities and other assets to pay the applicant.
When setting an insurance contract, you should ask your insurance agent for the best type of body injury for you. For example, if you only drive once a week in the countrysideOvské areas, you don't need an expensive plan. If you are often driving in overloaded urban areas, a good idea may be a higher limit of injury. You may also want to ask for the possibility of BI with insurance for home and business and ensure that people who are injured on your property are covered.