What is the purpose of bodily injury liability insurance?

Bodily injury liability insurance is designed specifically to provide financial protection for the insured in the event they are responsible for causing injury to another person in an accident. This type of insurance covers medical expenses, lost wages, and other damages incurred by the injured party. It is an essential part of auto insurance, as it ensures that if the insured is found at fault for an accident, there are funds available to assist with the financial impacts on the other party, effectively offering a safety net for both the insured and the injured individual.

This type of insurance does not cover the insured's own medical expenses or vehicle damage, which are addressed by other types of coverage, such as personal injury protection or collision insurance. It also does not extend to theft or property damage, focusing solely on bodily injuries that occur due to the insured's actions. Therefore, the purpose of bodily injury liability insurance is clearly aligned with protecting the insured from the costs associated with injuring others in an accident.