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What is Bodily Injury Liability and What Does it Cover? It is often believed that car accidents are unavoidable. In fact, crashes happen to drivers around once every 18 years, on average. Although they are not spaced out like that. It is the probability that a driver faces when he or she gets on the road. Despite the statistics, there are some people that are poor drivers. There are also others who drive more often, increasing the chances of an accident. Moreover, applying statistics to real life often does not work that well. Statistics aside, there are still drivers who have never crashed and might never will. Regardless of whether you're due for a car wreck or not, there's still the potential for an accident. If you hit another driver, you will need to know about bodily injury liability. This article will tell you what is bodily injury liability. You will also learn what it does and does not cover. Bodily Injury Liability (BIL) is the part of your insurance that can aid you during a car accident you caused. It can help you pay for injuries to others if you're at fault for the accident. It can even help pay for legal fees. In particular, if the victim sued you for damages. As such, it is a good idea to make sure a bodily injury liability is part of your policy. Take note that the purpose of the BIL is not to reimburse the driver who caused the incident. It is to reimburse the injured or harmed people in other vehicles involved in the crash.