If you are found at fault in an accident financial responsibility is the first thing that comes to your mind. This is when your Bodily Injury Liability comes into play – it takes care of the expenses that are incurred to the other party(ies). This is your “liability.”

This coverage protects you in the event that you or any licensed driver operating your vehicle causes an accident. Your injuries, or the injuries of ones on your policy are NOT covered; this covers your liability to any other party(ies) involved. You are also protected in the event of a lawsuit resulting from an accident (up to the set limits of your car insurance policy).

Obviously Bodily Injury Liability is a significant portion of your car insurance policy, and one you want to pay particular attention to when shopping for car insurance quotes. Because of the possibility of a serious accident the financial disaster that could be incurred makes insufficient coverage quite undesirable.

Bodily injury liability is required in most states, and even if you live in a state that does not require it, you are required to cover claims made against you, resulting from an accident, with your own assets. Hence many carry this form of insurance regardless.