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Consider the following: You are at fault for a crash that injured three people in another car. Your bodily injury liability limit per person is $50,000 and your bodily injury limit per accident is $100,000. If Person 1's medical bills total $40,000, Person 2's cost $30,000 and Person 3's cost $25,000, you're likely covered. Each person's bills were under $50,000 (your bodily injury limit per person), and the total cost of injuries is $95,000, which is lower than your $100,000 bodily injury limit for a single accident.
Example: You cause an accident with another driver who has three passengers in her car. If you have liability insurance, you are covered against any bodily injury claims filed by the driver or her three passengers up to the limits of your policy. So if your per person bodily injury limit is $25,000 and your per accident bodily injury limit is $50,000, your policy will pay at most $25,000 to cover the bodily injury claims of any one of the four people in the struck vehicle but only up to $50,000 in total for all bodily injury claims resulting from the accident.
According to the Texas Department of Insurance, roughly 20 percent of drivers in Texas are uninsured, which means if you're in an accident, there's a 1 in 5 chance the other driver won't have insurance. That can be a little unnerving. But fortunately Esurance can help with customizable car insurance, which could protect you in these cases and much more.
Homeowners aren't the only ones who need insurance. No matter where you live, having insurance protection helps you keep your finances intact by avoiding losses from theft, fire or other events that damage or destroy your personal property. And if you cause an accident that damages the apartment or condo itself, insurance can provide you with important protection in those cases, too.