What is Bodily Injury Liability?
Updated January 24, 2026
Auto insurance coverage that pays for injuries you cause to others in an accident, including medical expenses, lost wages, and pain and suffering.
Understanding Bodily Injury Liability
BI liability is required in most states with minimum limits. Policy limits are expressed as split limits (e.g., 100/300) or combined single limits. When you injure someone, your BI coverage pays their claim up to policy limits.
Examples
- 1$100,000 per person / $300,000 per accident limits
- 2Liability coverage paying victim's medical bills
- 3Claim exceeding minimum liability limits
Related Terms
Policy Limits
The maximum amount an insurance company will pay for a covered claim under an insurance policy.
Third-Party Claim
An insurance claim filed against another person's or entity's insurance policy seeking compensation for damages they caused.
Uninsured Motorist Coverage
Insurance coverage that protects you if you're injured by a driver who has no liability insurance or insufficient coverage to pay for your damages.
No-Fault Insurance
An auto insurance system where each driver's own insurance pays for their medical expenses and lost wages regardless of who caused the accident.
Total Loss
When a vehicle is damaged to the extent that the cost of repairs exceeds the vehicle's actual cash value, or when the vehicle cannot be safely repaired.
For Motor Vehicle Collision cases
The record behind a term like this one is built by the client, not the file.
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