Bodily Injury and Property Damage Liability (BIPDL) coverage is, in my opinion, the most important coverage on your auto insurance policy. The limits that you purchase represent the amount of money that the insurance company will pay to someone else due to an accident in which you caused bodily injury or property damage. If you do not have sufficient limits to settle a claim, the other party can sue you to recover additional money above your insurance coverage.

BIPDL coverage protects your personal assets! Therefore, the more assets you have, the higher coverage you should carry. Personal Umbrella Policies (PUP) will provide you with $1,000,000.00 of coverage over and above your base policy limits. These policies are almost always very inexpensive relative to your potential savings. Your BIPDL coverage should usually be the last place you look to try to save money.