Understanding Insurance can often be like trying to learn a foreign language. Many find it confusing and intimidating. Here is a quick reference designed to help you understand some of the most common types of coverages. The reference was put together by The Progressive Insurance Group of Insurance companies. Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today liability insurance is mandatory. Under BI/PD. your insurance company pays for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. If your policy covers you in the event you're sued after an acciden

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