Bodily Injury Liability

Bodily injury (BI) liability pays the medical bills, lost wages, and pain-and-suffering damages of people injured in an accident you cause. It's the most important coverage on any auto policy. Illinois requires 25/50 minimum ($25,000 per person / $50,000 per accident); Texas requires 30/60. Both are inadequate for real-world liability exposure — most agents recommend 100/300 or higher. BI does not cover your own medical bills (that's MedPay or PIP).