Bodily injury liability

Auto bodily injury liability provides protection against legal action involving injury or death to others in an auto accident. The coverage is normally provided with two limits of liability, a per person limit which specifies the maximum amount the insurer will pay in respect of injury to one person, and a per accident limit which specifies the maximum amount payable in respect of one accident for all people injured. The per accident limit is at least as large as the per person limit. While both limits can be important, we focus on the per person limit in evaluating the adequacy of insurance coverage.