What is liability insurance for?
Liability coverage helps protect you from covered damage your car does to others, damage for which you are legally liable and without liability insurance would have to pay out of pocket for damages you cause. In some cases these damages could grow into hundred of thousands of dollars. Liability coverage is the foundation or basis of an auto insurance policy normally, and is required in most states. State liability laws differ but the most require liability coverage of bodily injury (BI) and property damage (PD). The purpose of BI and PD is if you are at fault in an accident, your liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills. Bodily-injury coverage pays for medical bills and lost wages of the person you injured. Property Damage covers you if your car damages someone else’s property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also
