Bodily Injury Liability, also known as BI coverage, is insurance intended to protect you against claims brought against you by other people that may have suffered bodily injuries or death as a result of your negligence or for which you are responsible. BI coverage also  provides for a legal defense in the event of lawsuit against you. Claims for bodily injury include medical bills, pain and suffering, permanent injury, loss of consortium, and  loss of income, loss of enjoyment of life, and out of pocket expenses such as travel costs for medical care.   Bodily Injury Liability does NOT cover you or other people on your policy. Bodily injury liability coverage is not mandatory in Florida, but is mandatory in many states.

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