Liability coverage will pay for the losses others endure from the accident such as their medical expenses, property damaged, and third parties property that may also be damaged from the accident. Liability doesn’t pay your own bills in most cases if you are at fault in the accident. Just everyone else’s as it protects them from your mistakes.
To find the best coverage you can, it pays to find out what is required in your location as well as what options you have in addition to the requirements that might help you better should you cause an accident. Most states set at least a minimum level of coverage and payout amounts required per accident/person. They seldom put a limit to how much you can ask for, only the insurance companies do that.