What are BI and PD Liability Coverages?
Bodily Injury(BI) liability insurance covers you from claims that come out of a collision in where another party was injured because of your negligence. Property Damage (PD) liabilty insurance covers you for claims against property of others, including other vehicles, which you damage, as a result of your negligence that arise from a collision in which you are deemed at fault. Most states require these types of coverages. You can either purchase Combined Single Limit coverage, which includes PD coverage too, or Split Limits BI coverage. Split Limit BI policies apply coverages on a per person/per accident basis. For example, 100/300 BI means that, your insurance company would pay up to $100,000 per person in an accident, and a maximum of $300,000 for all the injured parties harmed in the same incident where you may be at fault. In the case of Split Limit BI coverages, PD coverage is written with an additional, single limit, separate dollar amount of liability insurance. When purchased a
