What is defined as Bodily Injury in insurance?

Bodily Injury in insurance refers specifically to physical injury sustained by an individual. This definition encompasses a wide range of physical harms, which can include anything from minor injuries, such as cuts and bruises, to more severe conditions, like broken bones or long-term disabilities resulting from an accident.

The focus here is on the physical aspect of the injury, as opposed to other types of damages. For example, while mental distress is a valid concern, it constitutes a different category known as emotional distress or psychological injuries, which is not covered under Bodily Injury. Similarly, property damage pertains to harm done to tangible items or properties rather than individuals, making it unrelated in this context. Additionally, while injuries during a natural disaster can be classified as bodily injury, that situation is too specific and does not represent the broader definition of Bodily Injury in insurance. Therefore, the appropriate definition emphasizing the physical nature of the injury is why this choice is correct.