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Residual Bodily Injury Liability (RBIL) Insurance

Things to Remember

  • Residual bodily injury liability coverage is used primarily in no-fault states.
  • Residual bodily injury liability covers additional expenses not covered by PIP.
  • In the event of an at-fault accident, residual bodily injury liability can help cover another party’s medical expenses.

When looking to buy auto insurance it’s important to be aware of the different types of auto insurance coverage. Residual bodily injury liability coverage is a form of coverage mostly used in no-fault states, specifically Michigan.

If you have caused an automobile accident that resulted in injuries to another person, they may end up suing you. This is where residual bodily injury liability coverage comes in.

Just like regular bodily injury liability coverage, which is offered in at-fault states, residual bodily injury liability coverage will help cover medical bills and any lost income that another party accrues due to an accident you caused. If you are looking to buy residual bodily injury liability coverage, it’s important to learn everything you can.

Read on for everything you need to know about affordable residual bodily injury liability car insurance coverage. Compare rates for top companies in the area by entering your ZIP code into our quote box.

Table of Contents

What is a no-fault state?

No-fault states are states that have no-fault laws, which basically say that each driver is responsible for filing claims to their auto insurance company. In no-fault states, everyone is responsible for having the right coverage to cover damages made to their vehicle, no matter who caused the accident.

In no-fault states, the primary form of coverage used during accidents is personal injury protection or PIP. Also known as no-fault insurance, PIP coverage won’t cover expenses that exceed your coverage limits. To see the coverage limits in your state, check out the chart below.

Minimum Auto Insurance Liability Requirements by State
StatesCoverage TypesCoverage Limits
ALBI & PD Liab25/50/25
AKBI & PD Liab50/100/25
AZBI & PD Liab15/30/10
ARBI & PD Liab, PIP25/50/25
CABI & PD Liab15/30/5
COBI & PD Liab25/50/15
CTBI & PD Liab, UM, UIM25/50/20
DEBI & PD Liab, PIP25/50/10
DCBI & PD Liab, UM25/50/10
FLPD Liab, PIP10/20/10
GABI & PD Liab25/50/25
HIBI & PD Liab, PIP20/40/10
IDBI & PD Liab25/50/15
ILBI & PD Liab, UM, UIM25/50/20
INBI & PD Liab25/50/25
IABI & PD Liab20/40/15
KSBI & PD Liab, PIP25/50/25
KYBI & PD Liab, PIP, UM, UIM25/50/25
LABI & PD Liab15/30/25
MEBI & PD Liab, UM, UIM, Medpay50/100/25
MDBI & PD Liab, PIP, UM, UIM30/60/15
MABI & PD Liab, PIP20/40/5
MIBI & PD Liab, PIP20/40/10
MNBI & PD Liab, PIP, UM, UIM30/60/10
MSBI & PD Liab25/50/25
MOBI & PD Liab, UM25/50/25
MTBI & PD Liab25/50/20
NEBI & PD Liab, UM, UIM25/50/25
NVBI & PD Liab25/50/20
NHFR only25/50/25
NJBI & PD Liab, PIP, UM, UIM15/30/5
NMBI & PD Liab25/50/10
NYBI & PD Liab, PIP, UM, UIM25/50/10
NCBI & PD Liab, UM, UIM30/60/25
NDBI & PD Liab, PIP, UM, UIM25/50/25
OHBI & PD Liab25/50/25
OKBI & PD Liab25/50/25
ORBI & PD Liab, PIP, UM, UIM25/50/20
PABI & PD Liab, PIP15/30/5
RIBI & PD Liab25/50/25
SCBI & PD Liab, UM, UIM25/50/25
SDBI & PD Liab, UM, UIM25/50/25
TNBI & PD Liab25/50/15
TXBI & PD Liab, PIP30/60/25
UTBI & PD Liab, PIP25/65/15
VTBI & PD Liab, UM, UIM25/50/10
VABI & PD Liab, UM, UIM25/50/20
WABI & PD Liab25/50/10
WVBI & PD Liab, UM, UIM25/50/25
WIBI & PD Liab, UM, Medpay25/50/10
WYBI & PD Liab25/50/20

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If someone’s PIP doesn’t cover all their medical payments and lost wages, then they may decide to sue. It is required for drivers to have some form of PIP coverage in no-fault states.

It is important to be aware of the auto insurance laws in your state. The website for your state’s Department of Insurance can be found on the NAIC website.

What does residual bodily injury liability insurance cover?

Simply put, residual bodily injury liability coverage car insurance will protect you if you’ve been sued by another party for medical payments due to an automobile accident. While the other party is still required to use their PIP coverage to cover medical expenses and lost wages, it may not cover all their expenses.

If you caused the accident, a court may find you responsible to cover any additional expenses not covered by PIP insurance. Residual bodily injury liability coverage will help you pay for these extra costs, so you don’t have to pay them out-of-pocket.

How much does residual bodily injury liability insurance cost?

Your residual bodily injury liability coverage car insurance rates are determined by a number of different factors, including your age, driving record, credit score, and the state in which you live. In most states, bodily injury liability coverage is required, so it will likely be included with most basic auto insurance packages.

There are several things you’ll want to consider before deciding on the right auto insurance company. While rates are an important thing to consider, you should also think about the amount of coverage you are receiving.

Purchasing more coverage will, of course, cost more. However, many people find the peace-of-mind that comes with more auto insurance coverage to be worth the extra cost.

Residual bodily injury liability coverage car insurance quotes will vary from company to company. Choosing the right company for residual bodily injury liability coverage car insurance can be done by comparing rates. Enter your ZIP code into our comparison tool to compare rates from top companies in your area.


  1. https://content.naic.org/state_web_map.htm


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