URL of this page: //medlineplus.gov/ency/article/001141.htm. Liver spots are flat, brown or black spots that can appear on areas of the skin that are exposed to the sun. They have nothing to do with the liver or liver function. Liver spots are changes in skin color that occur in older skin. The coloring may be due to aging, exposure to the sun or other sources of ultraviolet light, or causes that are not known. Liver spots are very common after age 40. They occur most often on areas that have had the greatest sun exposure, such as the:
BI and PD liability are the basic building blocks of a typical car insurance policy. Bodily injury insurance covers medical expenses and lost wages for injured drivers or passengers, while property damage insurance covers the repairs or replacement of damaged cars and other property (e.g., a garage, fence, porch, etc.).
It is important to note that bodily injury coverage does not pay for your own injuries. Additionally, bodily injury coverage can help pay for: 1  Long-term nursing care. 2  Lost income from time off work. 3  Pain and suffering.