There are Two Types of Liability Insurance: Fact
In regards to liability insurance, there are two types: bodily injury and property damage. Most drivers carry both types of coverage. Liability coverage is important because it protects you when you are the cause of an accident.
If there is damage to the other driver’s car your property damage liability will help pay for the damages. If the driver or passengers in the other car are injured in any way, your bodily injury liability will contribute towards their doctor bills.
Without this type of coverage, you would have to pay for all damages yourself.