What does "Bodily Injury" refer to in the context of property and casualty insurance?

In the context of property and casualty insurance, "Bodily Injury" specifically refers to tangible physical harm inflicted on another person, which is often the result of accidents or negligence. This can involve a wide range of medical conditions, from minor injuries to severe bodily harm, and is a key component of liability coverage in insurance policies. The focus is on injuries experienced by third parties, not the insured individual or their property.

This term is crucial for understanding liability in insurance because it directly influences the provision of compensation for medical expenses, lost wages, and other damages resulting from the injury. By defining "Bodily Injury" in this way, insurance policies can adequately cover the costs associated with these claims when the insured is found liable for causing harm to another individual.