Bodily injury liability offers compensation when you injure the other party in the car accident. It will cover the medical costs of the passengers you carry in your car and the third party. It will also pay for the legal fees in case the third party sues you.

Most of the states in America require the car owners to purchase the bodily injury liability auto insurance. Car owners should check with the appropriate department in their home states to find out the minimum requirement. It is recommended that you buy more than the minimum requirement so that you will be able to cover the total medical cost.

It is important to get a bodily liability auto insurance coverage. If you don’t, you will have to pay for all the medical cost on your own. Medical cost is the number one reason that most people in the United States enter into bankruptcy. The legal fees are very expensive. If you are sued, you can possibly become bankrupt. With bodily liability insurance, you don’t have to worry about it because all your legal fees will be covered.

Every auto insurance company offers a different amount of bodily injury liability coverage. The average amount of the bodily liability coverage is $100,000 - $500,000. The policy have two numbers, for example $100,000/$300,000. The first number indicates the amount that will be paid to one person in an accident. The second number indicates the amount that will be used to cover the medical costs of multiple individuals that are involved in the accident.