Does car insurance cover bodily injury liability?

Answer 1

It depends upon the coverage that you purchase. Normally, when you buy liability insurance, you get both property damage and bodily injury liability coverage. In fact, many states require that such insurance be maintained for the protection of others who may be injured due to your negligence. The failure to do so can result in the suspension of your license and tags under Financial Responsibility Laws.

The nature of liability insurance is such that it pays damages to an innocent third party to whom you cause injury. In that sense, it protects you from personal liability up to the policy limits that you have bought. If you are sued as a result of the incident and fault is contested, the insurer also provides you with an attorney to defend you. The insurer pays the attorney's fees and related court costs (such as, but not limited to, court reporter expenses).