Bodily Injury and Property Damage Liability

Liability Coverage covers your legal liability for a covered accident that involves injury to another person or damage to property, up to the limit of liability you select.

• Bodily Injury

  Commonly referred to as BI Liability Coverage, it covers other people's bodily injuries if you are at fault in a car accident. It also provides for a legal defense if another party in the accident files a lawsuit against you. Claims for bodily injury may be for such things as medical bills, loss of income or pain and suffering.

• Property Damage

  This covers you if your car damages someone else's property. Usually it is another car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you.

To find out more about car insurance coverage requirements for each state, visit the State Information page.