Bodily injury liability insurance pays for injuries you cause to another driver if you are at-fault in the accident. Bodily injury does not cover the medical costs of injuries you may get in the accident.

The types of expenses a third-party can file against your policy include:

  • Medical expenses. Bodily injury insurance covers bills for the other party’s hospitalization and any medical care related to the accident.
  • Lost Wages: If someone was injured and is unable to work because of the injuries sustained, your coverage will cover their lost income.
  • Legal Fees. If the other party decides to sue you for the accident you caused, this coverage may also help cover legal fees.
  • Pain and suffering. Pain and suffering may also be covered under bodily injury if the other party has lasting pain or emotional stress from sustained injuries.
  • Funeral costs. If there are fatalities involved in a collision, bodily injury insurance also pays for funeral costs.


In Illinois, the minimum bodily injury liability requirements are $25,000 per person and $50,000 for more than one person.

Your bodily injury coverage is stated in a three number format like “25/50/20”. The first two numbers are the bodily injury coverage limits. The first number is the amount covered for one person in the accident. The second number is the amount covered per accident.

In a combined single limit policy (CSL), the policy limit applies to both bodily injury and property damage expenses accumulated for any one accident.

Do you need more information about bodily injury coverage or need to file a claim. Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week. 

For additional information regarding Property Damage in the state of Illinois, please visit the Cyber Drive Illinois Mandatory Insurance Vehicle Service Page. 

*Please review your own policy carefully for details on bodily injury coverage. Bodily injury coverage varies by insurance company.