Whose Auto Insurance Will Cover You If The Other Car Has No Insurance?
If you have purchased a Bodily Injury Liability (BI) insurance and/or Property Damage Liability (PD) insurance, these insurances will cover you if the other car has no insurance. Without these as a part of your auto insurance packages, your auto insurance will most likely cover only yourself, the passengers in your car (such as your family), and the car you are driving. Bodily Injury Liability and Property Damage Liability, however, will not cover for you, your property, and your family. They can help you protect yourself financially, though. These will also give you legal defenses in case the other party (or parties) file lawsuits against you.
What is Bodily Injury Liability?
Bodily Injury Liability covers for the other party’s bodily injuries and/or fatalities. If possible, it is best to purchase Bodily Injury Liability insurance that is similar to the coverage for you and your family because this will minimize financial problems and the like for you in case you become responsible for another person’s bodily injuries and/or death. Bodily Injury Liability only applies to the people from the other party and not to their property. There is a different type of insurance for coverage of damage to the other party’s properties.
Property Damage Liability
The different type of insurance for coverage of damage to the other party’s properties is the Property Damage Liability. If the Bodily Injury Liability covers only for the other party’s bodily injuries and/or fatalities, Property Damage Liability covers only for the other party’s property. Other types of properties aside from cars are included, so if you cause damage to the other party’s garden (and technically any other thing the other party owns) this insurance will still cover for you. It would be best too if the Property Damage Liability insurance you purchase protects the other party just as well as it protects you.
Being Prepared is a Responsibility
This coverage is a necessity for drivers from the United States. Driving without these insurances would be like going grocery shopping without money, or going to war unarmed. There is always the possibility of causing an accident, and it is best to be prepared all the time. After all, it is more practical to spend for an insurance that would cover for the damages you could cause in the future rather than to pay for those damages. Also, it is best to always have the legal defense with you wherever you go. Bodily Injury Liability and Property Damage Liability not only cover for the other party without insurance but also save you from a lot of trouble.