A good way to answer this question is imagine two scenarios: (1) The accident is not your fault, and (2) The accident is your fault.
If you are not at-fault in a car accident, the one important question becomes: “Do I have uninsured and/or underinsured insurance?” Basically, you’ll want to know whether you are covered if the person who hit your car is not. In other words, if you’re injured by another driver who doesn’t have auto insurance, you can turn to your own auto insurance to cover your injuries, pain, and suffering caused by the other driver’s carelessness.
On the other hand, if the wreck is your fault, the bodily injury portion of your insurance policy should protect you up to your limit of coverage. Say, for example, you have the a $50,000.00/$100,000.00 bodily injury policy limit. In this scenario, your insurance policy should cover the other driver’s injuries up to $50,000.00 per person in the accident, but up to $100,000.00 total if multiple folks are hurt.
If you are not sure who was at fault, or you have any other questions about a car accident you were in, please feel free to contact me.