Bodily injury liability insurance protects you if you should cause an accident that injures or kills another person.

This liability insurance can be found in any standard auto insurance policy. The insurance company will pay for the legal costs and any legal liability for which you are responsible. These costs could include the injured person’s hospital and medical bills, long-term nursing care, or, in the case of death, funeral expenses. The insurance company will settle or defend you against any claim or suit asking for these damages. Most companies duty to defend ends when your policy limits are exhausted, thus it is important to ensure you have adequate limits. Contact your insurance agent to determine your liability needs.