This insurance covers you if you cause an accident and injure other persons. It pays for an insurance company designated lawyer to defend you. It pays compensation to the injured person(s) up to the limit of your coverage. If your policy reads $50,000/$100,000 or $250,000/$500,000, your coverage is the lower amount unless multiple persons are making claims, in which case the higher amount applies. You should get the highest limit available usually $500,000 CSL (combined single limit). Again, the price difference is not that significant.