> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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, $100,000 / $300,000).

BI does not cover your own injuries. State minimums are often far below what a serious injury claim costs.

## Related terms

* [Property damage liability](/learn/property-damage-liability)
* [Liability coverage](/learn/liability)
* [Uninsured motorist (UM)](/learn/uninsured-motorist)

## Further reading

* [FTC — Auto insurance basics](https://consumer.ftc.gov/articles/auto-insurance-what-you-need-know)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=bodily-injury-liability)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=bodily-injury-liability)


## Related topics

- [Liability coverage](/learn/liability.md)
- [Property damage liability](/learn/property-damage-liability.md)