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GLOSSARY
Bodily injury liability helps pay if you are legally responsible for injuring someone else in an accident. That can include medical care, lost wages, and defense costs if you are sued. It does not pay for your own injuries. That is a different coverage, such as personal injury protection.
Limits are often written as two numbers, such as per person and per accident. Once the limit is reached, additional costs can fall on you.
EXAMPLE
If you cause a crash and the other driver needs hospital care, bodily injury liability is the coverage that responds for their injury costs, up to your limit.
Medical bills climb fast. New Jersey requires liability coverage at state minimums, and many people choose higher limits so a serious injury does not wipe out savings.
A licensed agent can show current New Jersey minimums and what a higher limit would cost on your quote. Minimums change. Confirm them before you buy.
FAQ
No. Bodily injury liability is for other people you injure. In New Jersey, your own medical bills after a crash usually start with personal injury protection (PIP).
The first is typically the most the policy will pay for one injured person. The second is the most for everyone injured in that accident combined, subject to your policy.
It meets the legal requirement. It may not cover a serious injury. An agent can compare limits on your quote so you can choose what you can live with.
A licensed New Jersey agent can walk you through it. Free to start.Free to start. In your language. A licensed agent confirms every requirement with you.
Quotes are estimates and subject to carrier underwriting.