Does car insurance cover injuries?

Car insurance will cover injuries if you have liability coverage. Liability auto insurance will cover injuries to other people that are hurt in an accident that is your fault. Medical payments coverage will cover your injuries. How much does insurance pay for bodily injury? This depends on your coverage limit, but every state has minimum requirements.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 15, 2021

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The Highlights

  • Liability car insurance is made up of property damage and bodily injury
  • Bodily injury insurance covers injuries to other people in an accident that is your fault
  • Each state has minimum liability requirements that you must meet to drive legally

Unfortunately, people get hurt in car accidents all the time. Therefore, you may be wondering, “Does car insurance cover injuries?” Liability car insurance will cover injuries to other people, while medical payments coverage can help cover your injuries.

Compare car insurance companies to find the company with the most affordable liability policy for you.

Before learning more about if car insurance covers injuries, enter your ZIP code into our free quote comparison tool above to find affordable car insurance rates from companies near you.

Does car insurance cover injuries?

Does car insurance cover injury claims? If you have liability car insurance, it should cover injuries to other people who are injured in an accident that is your fault. Liability car insurance is comprised of property damage (covers damage to property) and bodily injury (covers injuries).

Liability car insurance can cover medical expenses, lost wages, pain and suffering, and legal fees.

Does bodily injury cover me? Unfortunately, liability insurance will not cover injuries to the insured since it is primarily third-party coverage. To be covered for your injuries, you may want to consider buying medical payments coverage.

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How much is liability car insurance?

Liability car insurance rates can be determined using many different factors, including age, gender, location, type of car, and more. Let’s take a look at some average car insurance rates:

U.S. Average Car Insurance Rates by Coverage Type
Car Insurance Coverage TypeAverage Annual RatesAverage Monthly Rates
Comprehensive$148$12
Collision$326$27
Liability$555$46
Full$1,029$86
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One other major determinant of your liability rates is how much coverage you need.

How much car insurance coverage do I need?

How much does insurance pay for bodily injury? This will depend on your coverage limits. Most states have a minimum requirement for how much liability coverage you will need to buy. Below is a list of the minimum requirements by state:

Minimum Auto Insurance Requirements by State
StateInsurance Required Minimum Liability Required Limits
AKBI & PD Liab50/100/25
ALBI & PD Liab25/50/25
ARBI & PD Liab, PIP25/50/25
AZBI & PD Liab15/30/10
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DCBI & PD Liab, UM25/50/10
DEBI & PD Liab, PIP25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IABI & PD Liab20/40/15
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MABI & PD Liab, PIP20/40/5
MDBI & PD Liab, PIP, UM, UIM30/60/15
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MOBI & PD Liab, UM25/50/25
MSBI & PD Liab25/50/25
MTBI & PD Liab25/50/20
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
NEBI & PD Liab, UM, UIM25/50/25
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NVBI & PD Liab25/50/20
NYBI & PD Liab, PIP, UM, UIM25/50/10
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VABI & PD Liab, UM, UIM25/50/20
VTBI & PD Liab, UM, UIM25/50/10
WABI & PD Liab25/50/10
WIBI & PD Liab, UM, Medpay25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WYBI & PD Liab25/50/20
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If you don’t purchase the minimum liability coverage amount, you will not be able to buy other types of insurance that may help cover you if you’re in an accident.

You may also want to ensure you’re buying enough coverage for large accidents so that you don’t risk having to pay for costly damage or injuries out of pocket. For example, if you have $50,000 of bodily injury coverage, but medical bills are $75,000, you will have to pay $25,000 by yourself.

Now that you know more about if car insurance covers injuries, enter your ZIP code into our free quote comparison tool below if you need help finding a liability car insurance company that is right for you.

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