What Is Bodily Injury Insurance?

For drivers in Illinois, bodily injury insurance coverage pays for injuries you cause to another driver if you are at-fault in a car accident. However, the bodily injury does not cover the medical costs of injuries you may get in the accident. Keep reading to learn more about Illinois bodily injury insurance and insurance liability limits. That way, you can be ready in the case of an accident.

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

  • Medical expenses: Bodily injury insurance covers the costs for the other party’s hospitalization and any medical care bills related to the accident.
  • Lost Wages: If someone receives an injury 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 an accident that you are the cause of, this coverage may help cover legal fees.
  • Pain and suffering: Pain and suffering may also receive coverage under bodily injury. That is if the other party has lasting pain or emotional stress from sustaining 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. Also $50,000 for more than one person.

You can find your bodily injury coverage 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 injury and property damage expenses. This happens in the event of any one accident.

More Information

Do you need more information about the minimum limit your state requires for bodily injury liability coverage, underinsured motorist coverage, or the limits required for proper property damage liability insurance? Our team is here to help with your car insurance peace-of-mind needs. Call us today at 888-949-6289 or visit one of our many Illinois offices. For your convenience, Insurance Navy opens from 8 a.m. to 9 p.m. CST, 7 days a week. 

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