If you are at fault for an accident that injures someone else, bodily injury liability coverage may help pay for the following three types of costs:

Medical expenses:

Bodily injury liability insurance helps pay for someone else's emergency services and hospital care if you cause a car accident. It may also help cover their necessary follow-up doctor visits and other associated costs, like having to buy crutches or a wheelchair.

Compensation for lost wages and income:

If you hit another car and the other driver is injured, they may need to attend months of physical therapy as part of the recovery process. Or perhaps the person who was injured in the accident loses income or wages because they cannot work or perform the normal functions of his job. Bodily injury liability coverage in your car insurance policy may help pay their compensation in this case. Your state's laws may place limits on the amount of compensation the injured person can receive for lost income.

Legal fees:

After an accident resulting in injuries, you could be taken to court by either the injured party or the injured party's insurance company. This may require you to seek legal counsel, which can be costly. Bodily injury liability coverage may help pay for your legal fees.