How Does Bodily Injury Liability Work?

For Nevada, the minimum required bodily injury liability is 25/50 - $25,000 per person and $50,000 per crash. Here are some scenarios:

 

• One person injured. Cost $35,000. Even though the limit per crash is $50,000, your insurance will cover only $25,000 as this is the limit per person.

 

• Two persons injured. The cost for injured 1 is $25,000, the cost for injured 2 is $25,000. Your insurance will cover $25,000 for injured 1 and $25,000 for injured 2. The per-person limit and the per accident limit are met.

 

• Two persons injured. The cost for injured 1 is $15,000, the cost for injured 2 is $20,000. Your insurance will cover $15,000 for injured 1 and $20,000 for injured 2. 

 

• Two persons injured. The cost for injured 1 is $40,000, the cost for injured 2 is $20,000. The per crash limit is exceeded and the per person limit for injured 1 is also exceeded. Your insurance will cover $25,000 for injured 1 and $20,000 for injured 2. 

 

• Two persons injured. The cost for injured 1 is $30,000, the cost for injured 2 is $20,000. The cost per crash is within the limit but the per person limit for injured 1 is exceeded. Your insurance will cover $25,000 for injured 1 and $20,000 for injured 2. 

 

• Two persons injured. The cost for injured 1 is $40,000, the cost for injured 2 is $30,000. Your insurance will cover $25,000 for injured 1 and $25,000 for injured 2. Only this way the per person limit and the per accident limit are met.

 

• Three people injured. The cost for injured 1 is $15,000, the cost for injured 2 is $20,000 and the cost for injured 3 is $20,000. Even though each cost is below the per person limit, the per crash limit is exceeded. In this case, the insurance company will cover payments based on the order the claims are processed until the payments reach the total limit of $50,000.