Many auto insurance companies offer 12-month policies, providing policyholders with a full year of coverage without the need for renewal every six months. The advantage of a 12-month policy is that it often locks in the rate for the entire year, offering stability and protection against potential rate increases.

Several major auto insurance companies offer 12-month policies. It's important to note that availability may vary by location, and not all insurance companies offer this option in every state. Some of the well-known companies that may provide 12-month policies include:

Allstate
Progressive
Geico
State Farm
Nationwide
Travelers
USAA (for military members and their families)

Keep in mind that policy offerings, including the availability of 12-month policies, can change, and specific options may vary based on your location and individual circumstances. When shopping for auto insurance, it's advisable to contact insurance providers directly or use their online platforms to inquire about policy duration options and to obtain accurate quotes based on your needs and location. Additionally, working with an insurance agent can help you navigate available options and find a policy that suits your preferences and budget.

When another person is injured in an accident for which you are at fault, the type of auto insurance coverage that typically comes into play is called "Bodily Injury Liability" coverage. Bodily Injury Liability coverage is designed to help pay for the medical expenses, rehabilitation costs, and sometimes legal expenses of individuals who are injured in an accident where you, the policyholder, are found to be at fault.

Bodily Injury Liability coverage usually includes two limits:

Per Person Limit: This represents the maximum amount your insurance will pay for injuries to a single person in the other vehicle or vehicles involved in the accident.
Per Accident Limit: This is the total maximum amount your insurance will pay for all injuries resulting from a single accident.

For example, if you have Bodily Injury Liability coverage with limits of $50,000/$100,000, it means your insurance will pay up to $50,000 for injuries to a single person and up to $100,000 for all injuries in a single accident. These limits can vary based on the coverage you choose when purchasing your auto insurance policy.

Bodily Injury Liability coverage is crucial because it helps protect your assets in case you are legally responsible for injuries caused to others in an accident. It's a standard component of auto insurance policies in most states, although the required minimum coverage amounts can vary. It's essential to carefully consider the appropriate coverage limits based on your financial situation and potential liability.