Bodily injury liability insurance typically covers the costs associated with covered injuries you may have caused to other people in an accident you caused while you were driving. Coverage can also pay for a legal defense if you're sued for that accident. At a minimum, you need to purchase a policy with the bodily injury liability limits required by your state. However, the state-mandated minimum may not offer adequate protection. Discuss your bodily injury liability policy limits with your local independent agent or Travelers representative for guidance on the level of coverage that will suit your needs.