Four Types of Auto Liability CoverageIn most states auto liability insurance is required. If you are at fault for an accident liability insurance helps pay for another person’s damages. Auto liability insurance helps to pay for damage to another person’s vehicle or property through two forms of coverage: bodily injury liability insurance (sometimes called ” BI”) and property damage liability insurance (sometimes called “PDI”). Bodily injury liability insurance protects against the costs to another person for physical or property damages you cause them. Property damage liability insurance helps to pay expenses through damages to another person’s personal or business property. When insuring your liability, it is important to get as much coverage as possible. In order to get the most protection possible, you need to consider a number of different factors. Each state has different minimum amounts of auto liability insurance coverage, so you will want to check with your auto insurance agent to determine how much auto liability insurance is needed in your state. Many times agents don’t tell you how much cover you actually need until you request it. Some insurance companies will only give you a general maximum amount for bodily injury liability. For example, if your friend was hit by a drunk driver you should be prepared to expect that the amount for liability coverage would be set by your insurance company’s minimum limit. However, there are ways you can get more. To increase your maximum amount of cover you can do several things: Most policies will have a per-occurrence maximum limit on bodily injury and property damage liability coverage. This might be the same amount that your auto policy refers to, or it might be a lower maximum. The per-occurrence maximum is usually equal to the maximum limit on your auto policy. The lower limit could be worth it if you have a particularly expensive accident that costs a lot of money to fix. There is another type of policyholder injury and damages called the uninsured motorist coverage. Uninsured motorist coverage pays for damage that you incur when you are in an accident with an uninsured driver. It does not pay for damages that you suffer as a result of someone else’s negligence. An uninsured motorist coverage policyholder is usually required to purchase the policy before being able to drive a vehicle on the state’s roads and highways. It must also be purchased by the policyholder, who must have been driving with the policy in effect at the time of the accident. There is another type of policyholder harm, property damage liability insurance. This coverage pays for medical expenses, lost wages, and pain and suffering, among other things, that you suffer as a result of a motor vehicle accident. You can get medical expenses coverage limits and medical expenses deductibles that help pay for your medical bills, up to a certain amount per accident. There are limits on the deductible amount, too, which helps keep medical bills from overwhelming you. Property damage liability insurance will also help pay for damages to your car or other property that is damaged or stolen in an accident. Bodily Injury Liability is sometimes referred to as bodily injury or personal injury protection. This coverage will pay to cover the cost of treating an injured person if they are injured in a wreck that you are responsible for. It differs from property damage liability insurance because the policyholder is not responsible for repairs to cars or other property that gets damaged or stolen in an accident. Some Bodily Injury Liability Insurance policies include additional types of benefits, such as payment plans for rehabilitation, and payment options for the policyholder’s dependents or spouse. Another type of bodily injury or property damage liability insurance is called personal collision coverage, which pays the policyholder for damage to another car or other property in an accident. This coverage only covers expenses up to the limits of the policy. It does not cover any of the policyholder’s own losses. Personal accident coverage pays medical fees and other expenses for people who are injured in a wreck caused by the policyholder’s vehicle.