Texas Adjuster Practice Test

Which term refers to physical injury to a person under insurance policies?

1. Property Damage

2. Bodily Injury

3. Monetary Loss

4. Personal Injury

The correct answer is: Bodily Injury

Bodily Injury is the term used in insurance policies to describe physical injury to a person. This includes any harm that results from an accident or incident, such as fractures, lacerations, or other types of medical injuries. Insurance policies typically cover expenses related to bodily injury, including medical bills, lost wages, and pain and suffering. Understanding this definition is crucial for anyone in the insurance industry, as it clarifies the scope of coverage and the types of claims that policyholders or claimants may pursue when injuries occur as a result of an insured event. In contrast, Property Damage pertains to damage inflicted on tangible property rather than individuals. Monetary Loss represents a financial impact but is not specific to personal injury. Personal Injury often refers to non-physical harm, such as defamation or emotional distress, rather than physical injuries. Consequently, the distinction among these terms is essential for accurately interpreting and applying insurance coverage.