The residual liability insurance portion of a basic policy — also referred to as bodily injury and property damage liability — is designed to pay for other people's injuries or property damage when
the policyholder is responsible for the accident, but only under certain circumstances.
Bodily injury liability insurance provides coverage for losses that result from
the policyholder being responsible for an accident that caused bodily injury to another.
Not exact matches
They
are likely contacting you to get a statement about the
accident, but their intentions
are usually to get you to say something that indicates you
are responsible for the
accident, not their
policyholder.
Attempting to claim that their
policyholder was is not
responsible for the
accident, or that you both shared in responsibility.
Bodily injury liability (BI) pays, up to your policy limits,
for injuries or death that you (the
policyholder), or other drivers covered by your car insurance policy,
are found
responsible for after a motor vehicle
accident.
Uninsured or Underinsured motorist coverage pays
for injuries caused to a
policyholder or passengers in his / her car resulting from an
accident with a driver who
is responsible for the injuries, but has no liability coverage or his / her insurance coverage has low limits.