Can you collect bodily liability on your own car insurance?

Answer 1

No. Liability insurance is, by its nature, third-party insurance. That means that proceeds are paid to the person(s) that are hurt as a result of your negligence. It does, however, indemnify you for your carelessness up to the amount of coverage that you purchased. If sued for the collision by someone claiming bodily injury, the insurer will also provide a defense attorney.

Somewhat analogous to bodily injury coverage is uninsured motorist coverage. It is a form of first party coverage, meaning that you buy it for yourself. If you are hurt by the negligence of another driver, and that person does not have bodily injury liability insurance, you may have a claim for damages under your uninsured motorist coverage.