A term that refers to physical injury, sickness, or disease, or death resulting therefrom. In some jurisdictions bodily injury includes emotional injury.
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Any physical injury to a person. The purpose of liability insurance is to cover bodily injury to a third party resulting from the negligent or unintentional acts of an insured.
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In Personal accident Insurance ‘Bodily Injury”: shall be deemed to mean Bodily injury resulting solely and directly from Accident caused by outward violent and visible means. This strictly rules out mere shock, fright or grief. However, in Workmen’s compensation, health and liability insurance the term may extend to cover physical injury, including sickness, disease, mental injury, shock or death. Injury to the body of a person. The term is usually specifically defined in liability as workmen’s compensation, personal accident and health Insurance policies and there are variations in individual definitions. Compare with “Personal Injury.”
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UK: Injury, sickness or disease sustained by a person, including death resulting therefrom. Personal accident policies cover bodily injury caused by accidental, violent and visible means solely resulting in death or disablement’. Post traumatic stress order may amount to bodily injury, particularly where bodily harm has also occurred or where the policyholder has been in an accident. Public liability insurers cover legal liability for bodily injury but some use the term personal injury and define it as including ‘illness’. ‘Injury to feelings’ is clearly contemplated by insurers covering liability due to wrongful arrest or false imprisonment or similarly specified events.
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US: Liability insurance term that includes bodily harm, sickness, or disease, including resulting death.