Learn — Auto
Bodily injury liability
What bodily injury liability (BI) coverage on an auto policy pays for, how per-person and per-accident limits work, and why state minimums fall short.
Bodily injury liability (BI) pays for other people’s medical bills and lost wages when you cause an accident. Limits are shown as per-person / per-accident (for example, 300,000).
BI does not cover your own injuries. State minimums are often far below what a serious injury claim costs.