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✨ What Auto Bodily Injury Liability Is

Auto bodily injury liability is coverage that pays for injuries you cause to other people in an auto accident.

If you are legally responsible for the accident, this coverage helps pay for the other party’s:

  • Medical bills
  • Hospital stays and surgeries
  • Rehabilitation or physical therapy
  • Lost wages
  • Pain and suffering
  • Legal fees if you are sued

It does not cover your own injuries — only the injuries of others.

💡 Why It Matters

Without bodily injury liability, you would have to pay these costs out of your own pocket, and medical bills can easily reach tens or hundreds of thousands of dollars.

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What Auto Property Damage Liability Covers

Auto property damage liability pays for damage you cause to other people’s property, including:

  • Their vehicle (repairs or total loss)
  • Buildings (homes, garages, fences)
  • Business property
  • Public property (street signs, guardrails, light poles)

If you are legally responsible for the accident, this coverage steps in so you don’t have to pay these costs yourself.

What 100/300/100 Means

1. [100] — Bodily Injury Liability (Per Person)

Your insurance will pay up to $100,000 for injuries to one person in the other vehicle.

2. [300] — Bodily Injury Liability (Per Accident)

Your insurance will pay up to $300,000 total for injuries to everyone combined in the other vehicle.

3. [100] — Property Damage Liability (Per Accident)

Your insurance will pay up to $100,000 for damage you cause to someone else’s property, such as their car, fence, building, or business equipment.

✨ The Difference Between Medical Payments & Personal Injury Protection

1. Personal Injury Protection (PIP) — Broader, More Comprehensive

PIP is designed to cover you and your passengers after an accident, no matter who caused it. It goes beyond medical bills.

PIP typically covers:

  • Medical expenses
  • Lost wages
  • Essential services (childcare, housekeeping, etc.)
  • Funeral expenses
  • Passengers in your vehicle

Think of PIP as income protection + medical protection.

2. Medical Payments Coverage (MedPay) — Simpler, More Limited

MedPay only covers medical and funeral expenses for you and your passengers after an accident.

MedPay typically covers:

  • Ambulance
  • ER visits
  • Hospital bills
  • X‑rays, surgery, etc.

MedPay does NOT cover lost wages or essential services.

A deductible is the amount of money you pay out of pocket before your insurance company starts paying for a covered loss. It’s one of the simplest — and most misunderstood — parts of an auto policy, so here’s a clear, client‑friendly explanation.