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www.01insurance.com responsibility covers bodily injury and property damage (BI / PD). This covers your legal liability, to the dollar limits you select, because the damage caused to others in a covered vehicle accident. In most states today, liability insurance is required. Under BI / PD, your insurance company pays damages to a person injured and the damage it legally obligated to pay as a result of an accident. If your policy covers you in the event you're sued after …