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Ouch! Why Bodily Injury Insurance is Important

Ouch! Why Bodily Injury Insurance is Important

It all started out so innocently. You were on your way to the grocery store for more milk. Your toddler needed his chocolate milk fix and the store is going to close in twenty minutes. After buckling in your child, you jump in the driver’s seat, put the car in reverse, check the rear-view mirror, and pull out. Meanwhile, your neighbor peels out of their driveway and your cars collide. Your neighbor is taken the hospital with an injured leg, although you and your child are thankfully uninjured. After a thorough investigation, the police decide that you are at fault, despite your protests to the contrary. If you don’t have enough bodily injury insurance, you may be responsible for paying a large amount of money out of pocket.

What is Bodily Injury Insurance?

 US Legal describes bodily injuries as any physical damage to your body, whether it be a small cut or mental health problems. Bodily injury insurance covers you in a situation where you cause an injury to another individual. Some of the fees you may be responsible for paying are hospital and doctor office bills, legal fees, loss of income, and funeral fees if someone should be killed in an accident.

How Much Do You Need?

The state of Connecticut requires that motorist have a minimum of “$20,000 per person and $40,000 per accident for bodily injury liability and $10,000 per accident for property damage liability,” according to Connecticut’s Official State Website. This doesn’t mean that you can’t buy more. Fernando Branco and his team can help discuss how much you are required to have and how much you need. There is no formula for figuring out how much a future accident will end up costing you. Therefore, it is better to buy extra insurance than being blindsided by a huge bill not covered by your insurance.

Accidents are going to happen, whether it be stubbing your toe while heading to the kitchen or a car wreck on the way to work. Branco Insurance Group can help cut through the confusion. Contact us at  203-723-8500 to speak to one of our agents today.



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