From Yahoo Finance: 2025-05-22 15:10:00

Car owners in all states except Florida and New Hampshire must have bodily injury liability insurance. This coverage pays for others’ medical bills in accidents you cause, including legal expenses. Liability insurance also covers property damage. Know your coverage limits, typically expressed as three numbers, like 25/50/20.

Bodily injury liability insurance covers medical bills, income loss, pain and suffering, and funeral expenses for others in accidents you cause. It does not cover your medical bills or vehicle repairs. If sued, your legal expenses are covered. Ensure you have adequate coverage to protect your finances in case of a serious accident.

Driving without bodily injury liability insurance is illegal in most states. Consequences include license suspension, fines, vehicle impoundment, and even jail time. Without insurance, you risk financial responsibility for accident costs, with the average bodily injury claim in 2023 at $26,501. Ensure you have proper coverage to avoid legal and financial troubles.

Read more: What is bodily injury liability coverage, and how much do you need?