When can it be used?
- In case of an at-fault car accident caused by any of the people covered by the insurance
Who does it cover?
- you, the policyholder
- members of your family living with you
- people using your car with your consent
Who does it pay for?
It pays to the person or people that you injured as a result of an accident that you caused. These people can be:
- driver in another car
- unrelated passengers in your own car
Who does it NOT pay for?
- your family members
- your car
What does it cover?
- Medical expenses - hospitalization, follow-up care, other associated costs, like crutches or a wheelchair, long-lasting physical pain or emotional suffering, funeral costs
- Compensation for lost wages and income - Bodily injury liability helps make up for the lost income while the injured is unable to work
- Legal fees - the costs to defend yourself in court in case the injured party or the injured party's insurance company sue you
What is the required minimum for bodily injury liability?
For Nevada it is 25/50 - $25,000 per person and $50,000 per crash.
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