Bodily injury in the auto insurance realm refers to the harm done to ones body due to a motor vehicle accident. Part of the liability coverage you purchase pays for bodily injury you may cause to another with your vehicle up to what the policy covers. Its smart to make sure you have enough of it as you can imagine it can be very costly to pay for medical costs for someone that has been injured. Also some lawyers make their living off of suing for people that were hurt in an accident so its vital to have proper coverage. Umbrella policies can provide an additional layer of liability protection for those that feel their normal policy doesn’t provide enough protection.
Another related component of your car insurance policy known as PIP or personal injury protection pays for medical costs to you in the event that you’re hurt in an accident.