This kind of coverage protects you if you cause an accident that injures or kills someone. It does that by funding your legal defense and covering judgments against you if you’re sued. It also can pay for the lost wages or medical expenses of anyone you injure in a crash. Just remember that value of your policy determines how much Bodily Injury Liability coverage protects you in these cases. It won’t cover you or anyone else in your car, by the way. That’s the point of Medical Payment or Personal Injury Protection coverage.