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Auto insurance protects you against financial loss if you have an accident.

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In the simplest terms, Automobile Liability coverage is to cover your financial responsibility if your cause bodily injury or property damage (or both) to someone with your car.

Bodily Injury:  If you cause bodily injury to someone with your car, either as a passenger in another vehicle, as a pedestrian or as a passenger in your own vehicle, this area of auto insurance coverage is there to compensate that or those individuals for their loss.  That compensation is to cover doctor/hospital bills, loss of income, disability settlements and even pain and suffering. 

Property Damage: If your vehicle damages another person's property--automobile, fence post, tree, house, stop sign, guard rail, etc.--your automobile liability is there to pay for that damage.

Automobile Liability is stated on your auto policy in one of two ways:  Split Limit (100/300/100) Bodily injury $100,000 per person/ $300,000 per occurrence/ Property damage $100,000 )  Combined Single Limit, ($300,000) on the other hand, apportions out the payments for bodily injury or property damage based upon the amount needed for each up to the policy limit.

The amount of Liability insurance you carry is up to you.  The state minimum in Missouri is as low as 25/50/15 or as high as 500/1000/250.  The amount depends on how much you want to afford.  Just keep in mind that if you injure someone severely and have not purchased enough bodily injury liability insurance to cover their loss,  you can be held personally liable fto pay the difference.  See by blog on "How Much Automobile Insurance Do I Need?"
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