In states where the person who caused the accident is held responsible for paying for damages, Bodily Injury and Property Damage Liability coverage pays for those injuries or damages. If you are legally liable for an accident, bodily injury liability coverage pays for any injuries to people involved in the accident other than yourself. This coverage will also pays for legal defense costs if you are sued. Similarly, property damage liability coverage pays for damage to property, such as another car, a mailbox or a streetlight, that results from the accident you caused. Legal defense costs are also covered if you are sued.
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