Liability
Auto liability coverage pays for the damage if you are legally responsible for accidentally injuring someone, or for damaging another vehicle or other property in an auto accident.
Auto liability coverage falls into two categories:
-- Bodily Injury Liability — which covers medical expenses, pain and suffering, lost wages, and other special damages.
-- Property Damage Liability — which covers damaged property, and may include loss of use.
-- Liability coverage also pays legal defense and court costs.
State laws dictates the minimum amounts of insurance required, but higher amounts are recommended.