Auto insurance coverage that pays for injuries you cause to other people in an accident where you are at fault. It covers medical bills, lost wages, pain and suffering, and legal defense costs. Most states require minimum bodily injury liability coverage.
Related Terms
Liability Coverage
Insurance that pays for bodily injury and property damage you cause to others. In auto insurance, liability coverage is required in almost every state. It does not cover your own injuries or vehicle damage — you need collision and comprehensive coverage for that.
Property Damage Liability
Auto insurance coverage that pays for damage you cause to another person's property in an at-fault accident, including their vehicle, fence, building, or other structures. Most states require minimum property damage liability coverage.
Uninsured Motorist Coverage
Auto insurance that protects you if you are injured by a driver who has no insurance. It covers your medical expenses, lost wages, and pain and suffering. Many states require or strongly recommend this coverage since roughly 13% of drivers are uninsured.