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"Thirdparty liability" refers to bodily injury caused to a person because of a negligent or reckless third party's actions or omissions. First, if one liable person is insured and the other is not, you can make your claim against the insured person for the full amount of your damages.Bodily injury liability is car insurance coverage that pays for the medical bills and lost wages of other people when you are at fault in an accident. Property damage liability coverage helps pay for damage you cause to another person's vehicle or property. Learn how bodily injury liability insurance from Liberty Mutual protects you from damages, if you cause an accident that injures someone else. It's a good idea to have a total bodily injury liability limit that's either equal to or higher than your net worth. Move your car, if needed, to protect against further damage and keep from blocking traffic. The employer employs three or more full-time or part-time employees. Other persons such as dependent parents, brothers, sisters, grandparents, and grandchildren may also be entitled to benefits. A person is liable if he or she was negligent in causing the accident.