Bodily Injury Liability vs Personal Injury Protection

The first time you get insurance, especially auto insurance, you would almost be confused with all the policies thrown your way. It is for this reason that it is advised to seek the assistance of an expert auto insurance agent. Bodily injury liability and personal injury protection offer coverage for medical expenses incurred after an accident. Their major difference is whose medical expenses it covers.

Personal Injury Protection (PIP), just like its name suggests, is a coverage that takes care of you and your passengers. This means when you or other occupants in your car are involved in an accident, irrespective of whether you are at fault or not, the insurer will take responsibility for all medical expenses.

Bodily Injury Liability (BIL) is a direct opposite of the PIP. This policy does not cover you or any occupant of your car. If you are the cause of the accident, this policy looks to cover and protect your interest. It does this by taking care of all the medical expenses needed to get third party occupants treated. By third party, we are referring to anybody involved in the accident apart from you or anyone in your car.