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Bodily Injury and Property Damage Liability coverage make up the core of your car insurance policy; here’s what they do and what to think about when choosing coverage levels

They cover your legal liability if you’re at fault in an accident that involves injury to others (people in the other car, pedestrians, etc.) or damage to owned property (fences, garage doors, light poles, etc.)

A limit is the maximum amount your insurer will pay, per accident, for a covered claim. Anything above the limit is your responsibility . You choose your limits for BI and PD when you buy your policy.