Bodily injury liability (BI) coverage is the part of your insurance that helps pay for other people's injuries if you're at fault for an accident. For example, if you rear-end a person at a red light and that person has neck and knee injuries, your civil liability related to the accident may cover your medical bills, the wages you lost as a result of the accident, and the legal fees you could incur if a lawsuit is filed. So, no matter how many people are injured, this is the most your policy would pay for the injuries you cause. In the case of an accident caused by fault, bodily injury coverage can help pay for the expenses of other people injured in the accident if they have to miss work or are unable to work because of their injuries. Personal injury liability insurance covers a variety of costs associated with car accident injuries that you (or someone driving your car) cause to other people.
Even if a driver chooses to pay the uninsured driver fee, the uninsured driver will still be responsible for any damage or injury he or she may cause in an accident. If you are at fault in an accident, cause injuries, and have no bodily injury coverage, the DMV can suspend your license if you failed to submit the appropriate documents to meet financial responsibility requirements. If multiple people are injured, your policy will pay up to the maximum limit for all injuries in a single accident.