Generally, in Florida, bodily injury insurance is insurance that pays for someone else’s injury that you cause while driving your car. This insurance protects you in that if someone sues you for a car accident that you cause, then your insurance will a) hire you a lawyer to defend the case and b) indemnify you against judgment (i.e. pay for a judgment) entered against you up to your policy limits. Thus, this insurance protects YOU by paying the person that you injure. Obviously, the money goes to the injured person but if the insurance company is able to resolve the case within your policy limits or pays a judgment within your policy limits, then your assets are protected. Further, I believe that most people would agree that even if they had no assets that it is a good idea to have insurance to pay another person if you would happen to accidentally cause an accident. Many people think that the bodily injury insurance pays THEM monies when someone else injures them but that is not the case. The bodily injury insurance does protect YOU but it protects you from a judgment (up to policy limits) and hires a lawyer to defend the case and pay the costs of litigation.
