Bodily injury coverage responds to claims for physical injury, sickness, or disease sustained by a person, including resulting death. Policies state separate limits for bodily injury and property damage.
Definitions vary in whether emotional distress alone qualifies.
Alternative Names:
Bodily Injury, BI Claim
Why it Matters?
Whether emotional distress without physical injury constitutes bodily injury is a recurring coverage dispute, and jurisdictions divide. That question determines coverage for claims alleging psychological harm from an incident causing no physical contact. Per-person and per-occurrence limits within the bodily injury coverage also structure how multiple claimants share available limits.
Frequently Confused with
Related terms
Frequently asked questions
Does emotional distress qualify as bodily injury?
How do per-person limits work?
