What does BI mean?

Every insurance policy has BI listed as a coverage; what does that mean?

Answer provided by
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Emily Maracle
Answered on Jul 09, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“BI on car insurance policies stands for bodily injury liability.
Bodily injury is found on most policies as almost every state’s minimum car insurance required includes a bodily injury limit.
Bodily injury covers any injuries you may cause to other drivers and their passengers when you’re at fault in an accident.
It is made up of two numbers: a per person and per accident limit. This limit includes coverage for:
  • medical expenses
  • lost wages
  • pain and suffering
  • funeral costs
If the other party’s injuries exceed your policy limit, you may be required to pay for the additional costs out of pocket.
Bodily injury also does not provide you with any coverage if you’re hurt and at fault in an accident.
For your own coverage, you’d need medical payments coverage or personal injury protection.”
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