What coverage does 'bodily injury liability' provide?

Bodily injury liability coverage is designed to provide financial protection when you are responsible for causing physical injuries to another person in an accident. This type of coverage typically pays for the injured party's medical expenses, lost wages, and in some cases, pain and suffering. It is an essential aspect of auto liability insurance, as it helps avoid potentially devastating personal financial repercussions in the event of an accident for which you are at fault.

While there are many aspects of auto insurance, such as coverage for damages to your own vehicle, legal fees, and property damage, they do not fall under bodily injury liability. Bodily injury liability specifically addresses the injuries sustained by other individuals rather than the insured party's own damages or legal defense costs. This coverage is vital for drivers to maintain, as it ensures that those harmed by their actions have access to necessary medical care and compensation.